Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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: Bob

Simply outstandung Surgery

Our vet suggested Embrace pet insurance and we couldn't have been more satisfied. Other pet owners seem astonished when I tell them not only do we have pet insurance but we have a wonderful company. Two ACL surgeries have been handled promptly and with friendliness. I have told everyone to call Embrace. Bob M. - New Jersey
5

out of 5

POSTED: | BY: Champ's owner

Excellent Service

Our dog experienced back pain and was barely able to walk. Our vet gave him some muscle relaxants and did a series of laser treatments to relieve swelling. I was worried they wouldn't cover the treatments because they are not commonly used. Embrace covered the treatments and we are grateful that they did. Our dog is so much better and we used very little medication.
5

out of 5

POSTED: | BY: Robin

Embrace Rocks!

My Cavalier King Charles was diagnosed with GME a couple of months ago. Between the work-up, which included X-rays, a spinal tap, blood work, and lots of prescribed medication we have thousands of dollars in vet bills. My little Jewel is likely going to be on Prednisone and a chemo drug (shots) for the rest of her life so she can be mobile and have as high a quality of life we can give her. Throughout this terrible process Embrace has been extremely efficient and fast with reimbursing us for 80% of the expenses. I can't say enough about how much I appreciate this and would highly recommend this company to anybody. Our vet neurologist told me he thought Embrace was one of the best insurance companies to deal with as well. Laura Bennett, who is the co-founder of Embrace checks in by e-mail all the time and even follows up to see if we received insurance checks. Kudos to Embrace for sure! Thank you for such great service!!! Happy New Year!!! Robin
5

out of 5

POSTED: | BY: Hazel

2 years with Embrace and very happy

I am thrilled we made the decision to insure our dogs, especially through Embrace. They are always easy to deal with. I get fast responses. The policy is clear, and submitting claims is easy and fast. I recommend Embrace to every dog owner I know.
5

out of 5

POSTED: | BY: Sara

Amazing!

Wellness care is excellent. Great customer service!
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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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