Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,925

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: Penny

Embrace is Dependable

We had to have emergency service for our cat who was suffering from severe pain in an unknown source. Embrace reimbursed us for everything that was eligible. It is very reassuring to know we are backed up by such a good company.
5

out of 5

POSTED: | BY: Jai

We Love Embrace!

We needed a policy for our two new puppies and hands down Embrace offered the best policy for the money. We were able to build a suitable policy for two at about $150 a month! We were extremely pleased with that! Our experience with customer service, reimbursements & the policy have been great thus far. We will look at changing the policy to suit us as our puppies grow and as long as Embrace continues the good business we will most definitely stick with them!
5

out of 5

POSTED: | BY: Dr

The Second Claim

We just had our second claim. Our doggie was limping quite a bit after vigorous play and, after a visit late last year, we took him back to our vet. Embrace is paying what they promised they would in a timely fashion. I don't think you can ask for much more.
5

out of 5

POSTED: | BY: Bina

So far awesome

Wellness program first refund coming. All went smoothly. Such great communication by email.
5

out of 5

POSTED: | BY: Neda

Definitely Worth Having Insurance

My Dog is now five years old but has definitely gotten himself in a lot of situations that cost a hefty hospital bill for me. But thank god to Embrace they are always so helpful and always available to answer all my questions. I am so glad to have insurance for my dog. It definitely pays and has made me not have to pay everything out of pocket. For example the $5000.00 hospital bill for a surgery he had to have because he ate a piece of plastic from his chewy toy. Embrace paid $3500.00 of that bill. I definitely recommend them!!
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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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