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: Julie Flood

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 Ramos

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 Johnson

#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++++
5

out of 5

POSTED: | BY: Stephanie Clarke

Submitting a claim and how fast it gets paid!

I can't believe how quickly you pay on a claim. What a relief to not have to wait or chase you down. We have two dogs now covered with Embrace and so far, we love how you work!
5

out of 5

POSTED: | BY: Sheri Lamoreaux

An Outstanding Experience Every Time

I have used Embrace for 4-1/2 years - since I got my beautiful rescue, Jackson. Anytime I have a question or whenever I submit a claim, I am met with the most knowledgeable, caring and professional people. I have told every single one of my friends with dogs that if they don't have Embrace, they should cancel their current insurance and sign up!
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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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