Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,317

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: Diego

Helping our dog see better one visit at a time

Thanks you to the wonderful embracers who have helped our little Cavalier Spaniel, Taj, recover from the corneal dystrophy he is experiencing in his little eyes. We don't know what we would do without your coverage!
5

out of 5

POSTED: | BY: Janie B

Relieved to have coverage

Embrace was highest rated on a consumer website so I got coverage in order to have peace of mind should I ever be faced with a huge bill particularly for surgery. Initially I was getting a bit frustrated as it seemed a lot of little things weren't covered (minor ear and skin issues that had been noted in my dog's medical history) but then he exhibited lameness in his rear legs and I got the diagnosis of torn ACLs which is very common for the breed I hear. Thankfully I had met my deductible for the year so the procedure was covered at 80%. This set me at ease so I could focus on his recovery, not the stress of owing money!
4

out of 5

POSTED: | BY: Stacie

Excellent service, prompt and friendly with follow

We have had several claims and our vet files Embrace directly, which is so very helpful. Embrace is quick, very responsive to questions and covers what they say they will cover. Very impressed so far!
4

out of 5

POSTED: | BY: Ana Martinez-Holler

Embracing Embrace!

First time with insurance for our cat Monsieur and I was hesitant but decided to go with it. After thinking of maybe dropping it I was pleasantly surprised to receive a reimbursement check for half of what his tests amounted to! I will surely recommend Embrace to my former husband so he can purchase for his any my daughter's dog. Really worth it and thanks to all.
4

out of 5

POSTED: | BY: Joe Lazzara

Great Service!

Embrace is the first pet insurance company we have tried. It was recommended by our breeder. We are very pleased with their service. They are prompt with the claims analysis and payments. And, I must say they are the most cheerful insurance company I have dealt with! Belly rubs to Embrace.They have some quirky rules about not treating the same illness within a year, which we have had got caught up in, otherwise, I would give them a 10.

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