Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Heather Zager

Continued great service

I've had my new pup for 9 months now and Embrace continues to provide great service! It takes a little longer for regular claims (so far I've only had one) than it does for a Wellness reimbursement, but there were no complications and both went through as expected.
4

out of 5

POSTED: | BY: Kennis Ketchum

Pleasantly surprised

I was extremely dubious about getting pet insurance, after hearing and reading stacks of horror stories about denied claims and such. I have carried Embrace for my dogs for a couple of years now, and I have to say that they have been very easy to deal with and have promptly paid claims. There was a lot of paperwork to deal with up-front in order to give them my pets' histories but after that it has been pretty simple. I will continue to renew these policies.
5

out of 5

POSTED: | BY: Jen Inouye

Totally satisfied

I have had pet insurance for 3 years for my healthy30lbs mixed breed terrier,Theo. After checking the web I decided to change because of the high rating Embrace received. I could not be happier. For the same reasonable premium Theo gets a wellness plan too. My first experience with making a claim, albeit a wellness claim-the forms were easy to process. I got a reply from an email promptly. I will be sure to pass the word to all my dog park friends.
5

out of 5

POSTED: | BY: Jessica White

Love this company

I cannot say enough good things about this company. True to the contract, they paid 80% of the claims. I am a Canine Behaviorist, and recommend Embrace to all my clients. I wish my own insurance was this good!
5

out of 5

POSTED: | BY: Jennifer Tell

Best Pet Insurance

Embrace reviewAngus is my first child. Literally, he opened up my heart in ways that I didnt know could happen. Having Embrace pet insurance has made taking care of and protecting Angus as brainless and as instinctual as he takes care of and protects me. Being that he is an American Staffordshire Terrier, that is saying a lot. It also comes with a unique set of high maintenance and expensive medical concerns. Angus has had 2 TPLOs, 9 mass cell tumors removed, and a near death bout of the doggie flu that came with an 8 days stay at the hospital. Embrace, true to their word never waivered and always paid what I had calculated they should pay based on the benefits we had purchased. It is nice to know that someone thought of having a pet insurance that pays off of the vet's bill and then actually does it. I feel very strongly about recommending them to all pet owners.
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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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