Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Karen

I have had two emergencies with…

I have had two emergencies with Cinnamon. Both times, Embrace was easy to work with and paid quickly. I am very pleased with my investment!
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5

out of 5

POSTED: | BY: Sherry L

Worth the Cost

Embrace was with us every step of the way during Luna's illness that was diagnosed two years ago. Each time a claim was submitted it was reimbursed within 24 hours and sometimes the same day. Luna has now gone over the Rainbow Bridge and Embrace sent the nicest email expressing their condolences on her passing.
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5

out of 5

POSTED: | BY: Jim

Easy and Quick Claim servicing

Easy and Quick Claim servicing
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5

out of 5

POSTED: | BY: Elizabeth

Coverage that gave us peace of mind and actually covered us!

We had Embrace from the day we picked up our international rescue pup from the airport. Not knowing what she would need medically, we knew we would need to have access to good coverage. Embrace delivered for us and then some. Whether it was medical, behavioral, or dental, we new that we would not be flying without a net thanks to our policy with Embrace.
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5

out of 5

POSTED: | BY: Tara Lawton

You never know when you will need it

I got Embrace "in case." Unfortunately, we needed it when my dog got sick unexpectedly and they paid for everything. When he died, they were so kind and sent a condolence card. I highly recommend Embrace. I also had the wellness insurance which I would suggest.
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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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