Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Phyllis Paoletti

Cannot beat Embrace for their excellent service

Once claim was sumitted, Embrace prosessed in a very timely manner. Excellent service and extremely happy with the quick response.
5

out of 5

POSTED: | BY: Birgit

Great Insurance

Coverage is great. We only selected insurance for illness not wellness. Embrace was the only company that would cover ortho problems for our Bernese Mountain Dog. claims are processed very quickly and accurately.
5

out of 5

POSTED: | BY: Lyn B.

So thankful for Embrace

We are the fur-parents that had to treat a boxer-mix for lymphoma two and a half times….without insurance. Ouch. Since that little guy passed, we decided to get insurance on our two elderly dogs (one adopted as a puppy and the other adopted at 8yo). We are now treating two dogs with hip dysplasia (rimadyl, Adequan), incontienence (Proin), ear necrosis, gingival hyperplasia (twice resected), and now immuned-mediated hemolytic anemia with a possible adrenal gland tumor. Whew! Luckily Embrace has come through and has really helped us provide the best care for our dogs.
5

out of 5

POSTED: | BY: Lois

Excellent Service

My claim was deposited with a week of being submitted. Great service!
5

out of 5

POSTED: | BY: Judith C

Embrace is AMAZING!

Embrace constantly surprises me with their attention to detail, personal customer service and vast competence. They are consistently reliable and I always receive reimbursement checks much faster than expected. I tell everyone I know how wonderful Embrace is. The peace of mind that comes with knowing Embrace will reimburse exactly what they say will be covered is something you cannot imagine until you are in an emergency situation. If you are a pet owner, the question is not IF your pet will have an accident or injury but WHEN. And, WHEN it occurs worry about your insurance coverage is not what you need. I changed addresses and the check was returned to Embrace. They made sure I received my check at the new address. I didn't even have to contact them about it. AMAZING! Take care of your pets AND your mental health - sign up with Embrace.

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.

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