Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Austin Acocella

Embrace is a Great Comfort to My Family

I was very concerned when our an obstruction was discovered in the intestines of our 10-month-old Cairn Terrier. Of course I was concerned about the health of the puppy we love, but I was also concerned about the costs associated with his medical care--especially because we had only recently taken out our pet insurance policy with Embrace. Turns out I didn't need to be concerned. Our pup is fully recovered and Embrace promptly covered most of the expenses. Because I am retired and living on a fixed income, it's very comforting to know that Embrace has my back when it comes to the care our our pet.
5

out of 5

POSTED: | BY: Cheryl lehman

Embrace is great pet insurance

I have 3 dog and I have used Embrace pet insurance several times and have been very pleased at how fast they take care of claims, and how easy it is to file a claim. So far they have paid very well. I have had other insurance and they were not worth anything.
5

out of 5

POSTED: | BY: Stacy

Beats Trupanion, "Paws Down"

I am so thrilled with Embrace! I previously used Trupanion for my dog Colby. I was unhappy with their per incident deductable, lengthy claims review period, and their stingy limits on prescription dog food. Since I switched to Embrace, I am so impressed with the broad coverage, fair pricing, annual deductable, and generous wellness coverage options (which includes the option for prescription dog food). I am also impressed with the easy and quick claims review process. I will be sure to recommend Embrace to others!
5

out of 5

POSTED: | BY: Erica

Excellent Customer Service

Very professional, quick turnaround. Straight forward insurance plan. No gimmicks.
5

out of 5

POSTED: | BY: Frank M.

Embrace is the great

Have had embrace pet insurance for a little over a year. Made 3 wellness claims and never have had any problems. The claim process is fast and easy. The customer service is helpful and friendly, (changing policy amounts, answering questions, etc.). Very few pet insurance companies have the option of wellness plans that are for routine visits/shots, etc.
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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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