Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Lara

We couldn't do it with out Embrace!

We have four dogs and have been dealing with long-term unemployment and underemployment for years. Embrace has allowed us to remove the financial concerns and simply provide top-level veterinary care for our companions. I can't say enough about this company - the service, attention, communication and reimbursement are all fantastic whether the claim is for $50 or $3,000. I wish my human medical insurance could be this efficient!
5

out of 5

POSTED: | BY: Joe

What a surprise!

When we adopted our new lab Grady last Feb. and decided this time we would look into pet insurance. Our last two labs lived to be 13 & 15 years old, so it was a no brainer. Little did we know that Grady would need emergency surgery last month. He had eaten the cloth sections of a dog toy which had gotten stuck in his stomach, the strings from the toy had entered his intestines and twisted them. I got him to the vet just in time. Embrace was contacted that day and in less than two weeks, today actually, I deposited a check that covered more than half of the bill. I never give my dogs those type of toys but it was a present from a relative. I never thought we'd need insurance but boy are we lucky. Grady is fine and we feel everyone should know how great this company has been.
5

out of 5

POSTED: | BY: Julie

Embrace Wellness Program

All expenses submitted have been processed within days. Communication with Embrace is excellent. I highly suggest considering the adding the Wellness Plan to any insurance policy purchased.
5

out of 5

POSTED: | BY: Jan

Wow, payment in a week!

Our dog had major knee surgery and we received payment from Embrace in just a week! They are always good, but this exceeded their past record wth us. We highly recommend Embrace to every pet parent because you can "design your own policy" by choosing your deductible, coverage, cost share, and more.
5

out of 5

POSTED: | BY: Althea

#1 Pet Insurance out there!

I have just renewed my policy for my little Lexi my 1.5 year old Yorkshire Terrier. When I first decided to adopt a dog I read horror stories of how expensive vet bills can be. I started researching and found Embrace and read reviews and compared them to "other" companies. I am so happy that I've chose Embrace! I haven't had any major trips but I do love having her Wellness check-ups refunded per her policy. The response time is so quick and professional. When I meet other animal owners I always share and refer them to the website. AAA++++

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 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.

Get a quote today

Leave a review