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: Sandy

Best pet insurance

I didn't think the coverage would be necessary or worthwhile until my young dog's anal glands burst. Embrace reimbursed the full 80 percent quickly. I have since added coverage for my second dog.
5

out of 5

POSTED: | BY: Michelle

Fast and Easy!

I have a new puppy and have put in a number of wellness claims as she goes in for check ups all the time. I send in the claims and the check comes to me fast. Nice system!
5

out of 5

POSTED: | BY: Jen

Fair Reimbursement, Great Customer Service

I've had Embrace for a little over a year now. Our dog was vomiting, feeling very sick and was diagnosed with Pancreatitis. I am pleased with how Embrace responded to our claims. After meeting our deductible, we were reimbursed the amount due to us promptly. I really like having the peace of mind knowing I've got Embrace there to help us provide the best care for our dog we can when the unexpected happens. He is part of the family and it is great to be able to focus on what's best for his health care. I definitely recommend Embrace and will definitely continue to have dog insurance for my pets in the future too. I strongly recommend that you carefully choose pet insurance and read the fine print before making a commitment. I am very happy with my choice.
5

out of 5

POSTED: | BY: Kona Badescu

Dental Claim

Thank you for the fast reimbursement and the excellent service!
4

out of 5

POSTED: | BY: Kaya

dog ate rawhide bone

my puppy ate a rawhide bone. apparently wasn't supposed to - ooops! had to take him to vet after throwing up. $1500 in bills. embrace was a bit slow out of the gate. many questions i thought i had answered before - but they came around fairly quickly and got moving. reimbursement is also not incredibly fast but they did deliver at the end.
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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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