Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Karla

Embrace is Great!

Embrace is so easy to work with - they're customer service is consistently great - good attention to detail, thorough, polite and helpful. I've insure our dog Stella with Embrace for the past 6 years and we just added our new kitten Biscuit. The team I've worked with made adding another animal easy - they gave great advice regarding different coverage for different needs, saving me money...
5

out of 5

POSTED: | BY: Bob

Cannot think of being with our Embrace

Our Great Dane is now 17 months old. I searched the internet for pet insurance companies and Embrace always had great reviews. They always update me whenever I send in a claim. Always easy to speak to as well. We have only had minor issues with our dogs ears and skin and Embrace has reimbursed us without any question. Happy to reccomend them to everyone.
5

out of 5

POSTED: | BY: Melissa

BEST DECISION I EVER MADE!!

This is the first time I have ever had pet insurance and I was kind of unsure when I got it on my maltese "Toby". Little did I know he would get sick at 1 year old. If I had not had Embrace I would have had to put him down because I could not have afforded the care he needed. Thank you Embrace Melissa Collie and Toby
5

out of 5

POSTED: | BY: TK

Reimburse fairly promptly

We got ins 7 yrs ago through Embrace for all four of our cats, age range 5-10 yrs. Unfortunately our oldest developed severe arthiritis/lameness shortly after getting her on a plan. Fortunately however it wasnt preexsisting as I'm not sure if she would have been insureable. My experiences with them have been good through the years, always very friendly staff.
2

out of 5

POSTED: | BY: Brian

Very little in return...for high costs of policy.

We have had your insurance for a few years now...while changing over from one company to yours our third dog was not eligible...we could not at that point get her insured at all...so we were disappointed at the very start. We receitly sent in a claim for Sailor our male dog of about 400.00 and got a WHOPPING 2.15 cents back on our policy return....very very sad. Not sure we will continue feel that we pay lots of coverage but you all find ways not to pay back.
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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