Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Sharon

Excellent Coverage & quick payment

My dog swallowed a syringe needle & I had to take him to emergency hospital. It is a relief to know my claim was processed quickly. Embrace is amazing! Unbelievable to have the costs reimbursed back into my checking account within a week!!!
5

out of 5

POSTED: | BY: Jim

Preventative Health Care

When I purchased pet insurance from Embrace, I was surprised to also learn about the Embrace wellness program. It permitted me to purchase as much as $400 of routine annual health care and supplies for only $299. I would always give $299 for $400, so it made me think that Embrace is either very dumb or very smart. In the long term, annual (semi-annual in my case) veterinary exams, vaccinations, fecal and blood tests, and health supplies will prolong Auggie's life and provide better quality of life. It will also reduce the liklihood of major medical problems and large insurance claims. Not too dumb at all!!
5

out of 5

POSTED: | BY: ellen

great company

I have used several other pet insurance companies and I have to say Embrace has been the best by far. I have not had any trouble with Embrace.
5

out of 5

POSTED: | BY: Gary

The Best Pet Insurance on the Market

I have tried other pet insurance but none of them can compare with Embrace for amazing customer service and fast payment. If you are looking for pet insurance Embrace is the gold standard. With other companies you get excuses for lack of coverage. You don't have to arm wrestle Embrace for payment----if it is covered by your policy you will get prompt payment. I cannot recommend this company too highly. I wish my own health insurance were this good.
5

out of 5

POSTED: | BY: Bart

Best insurance ever!!

Our year and 1/2 old jack russel terrier Betsey has gotten something embedded deep up in her right nostril. At least that's the current diagnosis. She had to have a Rhinoscopy and Cat scan and these things are expensive!! Embrace paid us back promptly for their part of the proceedure. As well as for all the other smaller visits and attempts at figuring out what's causing her frequent sneezing and snorting fits. We worry allot about Our Betsey but thanks to Embrace we worry not at all about the cost of treating her. Best insurance experience We have ever had!!!
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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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