Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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.
3

out of 5

POSTED: | BY: Denise

Wellness Dollars

The Wellness dollars come in handy. I suppose the amount I pay extra for them equals the $200 reimbursement or very close to it, however it is handy having it there to0 claim back some $s to go for other doggies expenses.
5

out of 5

POSTED: | BY: Stacy

New and very Pleased

I'm new to Embrace (within the year) and was skeptical at first. I left AKC due to their enormous price hikes. What I found was a nice and extremely helpful staff. Then, when my newfie had a problem, the staff assisted me and the coverage has been exactly as advertised. I'm pleasantly pleased and will be remaining here for a long time to come.
5

out of 5

POSTED: | BY: Steve

I am so pleased, no hassels your pet is first

I am so pleased with Embrace. My golden retriever got a very serious eye infection. Kiva was one year old and she needed immediate specialized treatment. Without Embrace standing behind my policy, I don't know how I would have paid for all the specialized treatment she needed. My Kiva would not be the same dog without Embrace.
5

out of 5

POSTED: | BY: Robin

Embrace Delivers on Their Promises

Embrace has been transparent and responsive from the start - when tragedy struck for us with one of our pets, they stood 100% behind every commitment they made on our policy - the reps are a pleasure to deal with. The paperwork is a hassle as it would be expected with any claims submission with any insurance, but once completed, they review and reimburse very quickly and fairly. Top notch operation!
5

out of 5

POSTED: | BY: Rachel

Great Pet Insurance!

We've had Embrace since we adopted our sweet chi mix a few years ago. He's had several medical issues but all have been treated and covered by Embrace.
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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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