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: Nina

Quick Refunds!

I am so happy I decided to purchase Embrace Pet Insurance for my dog when he was a puppy - I get refunded 80% of nearly all of his vet bills, plus $200 of wellness refunds every year (that cover things like his annual checkup and shots). After the first instance where my pup got sick and I had a $1,200 vet bill to pay, I knew buying Embrace Insurance was well worth it! On top of that, they issue the refunds super quickly after I submit his claim... often within a few days! I'd recommend this pet insurance to anyone with a furry loved one!
4

out of 5

POSTED: | BY: Dane

Happy

It's pretty good I just started this insurance. And it's good no problems until now they email you about any info about your insurance if anything is covered and stuff like that
5

out of 5

POSTED: | BY: BeLinda

Embraceable!

The best pet insurance ever! That's why I said embraceable. I gave your company name and phone # to two other "parents" when I was recently in with my dog for his 2nd root canal. Your communications have been prompt and always courteous and concise. Your company is simply the best!
4

out of 5

POSTED: | BY: Dale

Thank Goodness I bought it!

I was looking for major health coverage for my two Shih Tzu's at 4 months of age. I didn't take wellness or drug coverage.At 14 months, my female got sick and was diagnosed with congenital liver problems. After a $6,000 plus major surgery I was thankful I purchased the insurance. Embrace paid promptly and fairly for the coverage I purchased. The deductible you choose is important. I got a $300 deductible and didn't reach it for the healthy dog, but just the diagnostic tests for the sick one was over $400!
5

out of 5

POSTED: | BY: Lou

Finally a great Pet Plan

I had my first claim with Embrace when my best little four legged buddy scratched his eyeball chasing lizards or something and all the claims were handled very promptly and I actually got a check!! Something that never happened with the old plan. I am so happy and I am telling my pet loving friends to use 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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