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: Ruth Nelson

The Best of the Best Insurance…

I can't begin to express my appreciation to Embrace! I have had Cooper insured with them for 7 years now and would never entertain going to any other Insurance. He's unfortunately had a few hiccups the last couple of years and went to several Vets trying to find a solution. Finally, nothing but a small miracle, they found the answer. Just such a comfort knowing that Embrace has always been there and had Cooper's and mine back! It is my mission to tell everyone that has a pet to choose Embrace. They certainly won't be disappointed.
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5

out of 5

POSTED: | BY: Lindsey Hegmann

Part of the family

From day one, Embrace treated us like more than customers. Their support during our dog’s surgery made all the difference—we felt genuinely supported.
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5

out of 5

POSTED: | BY: Danielle Larson Dani

A pet insurance that actually covers everything!?!

I am shocked, as is my dog's vet, at how much Embrace Pet Insurance covers for my dog's medical services. You always hear horror stories about stingy insurance... well, that's not the case with Embrace! They covered her veterinary behaviorist as well as her ultrasound. All staff members have been prompt and helpful. I am so glad I chose Embrace! As I often remind my friends, you need to get pet insurance before anything goes wrong so it is covered. It's better to have pet insurance and not need it than for an emergency or chronic health condition to occur and not have it. I truly cannot recommend Embrace enough!
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5

out of 5

POSTED: | BY: Marco M

the claim experience was seamless and…

the claim experience was seamless and stress free. The claim was processed quickly.
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5

out of 5

POSTED: | BY: Diana Lynn

Submitting a claim takes about three…

Submitting a claim takes about three minutes, and we have never been denied. Rates are reasonable, and representatives are well-trained, informed and polite - what's not to love.
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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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