Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,397

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: Rose Pearl

It works

I am terrible about paper work and details but Embrace has made the process of insuring my cats very easy. Luckily I have no serious situation now, but have in the past with a cat who died, and I never want to be in a situation of wether to provide care again due to financial constraints. I feel this will allow me to make better decisions without stress.
5

out of 5

POSTED: | BY: Jaydeep Purkayastha

My first wonderful Embrace experience

I researched a lot before I chose Embrace for Rufus. Rufus is precious and I am so glad I chose Embrace for him. I had a great experience with my first claim. Embrace kept me updated regularly on my claim and few days ago I received an email saying the reimbursement check was on its way. I am very pleased with their customer support and would gladly recommend Embrace to anyone looking for a pet insurance. 
5

out of 5

POSTED: | BY: Gilonne

No complaints

I am a demanding customer. So far, so good. I can't find anything negative about Embrace. I'm very impressed. I don't regret it.
5

out of 5

POSTED: | BY: Mark

Exactly what we hoped for.

As new dog owners and first time pet insurance purchasers we approached this with a bit of skepticism, despite a positive recommendation from our neighbor. So far Embrace has been great to work with and paid all claims as expected. That's exactly what we wanted from an insurance company. Thanks.
4

out of 5

POSTED: | BY: carol mond

Wellness and Illness Cpverage

Overall, Embrace was timely with their explanation of benefits and covered most of my wellness and illness claims. My rescued dog was very sick the first year that we had him and most of his bills were covered. My one complaint was that when we got him from the rescue agency which pulled him from a high kill shelter, he had skin, ear, eye, and gastrointestinal conditions which subsequent bouts of the same illness were not covered for 12 months.
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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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