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: Elaine Reiter-Berger

Excellent communication so far

6 months into our new puppy and three vet trips. Embrace has been excellent so far, and communication via email about all reimbursements and claims is superb. They explain everything in a timely way, whether they are waiting for my vet to send an explanation, or they need something for me or not. We are very happy we did not take friend's asvice about not needing pet insurance after our first case of kennel cough!
5

out of 5

POSTED: | BY: Brian

Excellent

Submitted a wellness claim for our dog's neutering. Claim was handled and paid very quickly. Good job!!
5

out of 5

POSTED: | BY: Gwyn Baumgartner

Embrace is Great!!!!!

Highly recommend Embrace! I have 6 pekes....everyone has Embrace!!! I can go to the vet without fear knowing that things will be covered. A couple of my guys have specialists....covered by Embrace. Thank you!
5

out of 5

POSTED: | BY: Belinda Torrey

I Love Embrace

Weiner's was limping on his front right paw. We found out that he has arthritis and his leg is deformed. but he does well on his medicine and we were very happy with our claim. Thanks Embrace
5

out of 5

POSTED: | BY: Marni Goldberg

Orthopedic Claim

Embrace covered everything they were supposed to. My dog hurt her leg and they covered the xray, pain medication, and exam. The claim took a little longer to process than it was supposed to but they kept me posted by email and were very easy to deal with. This is our first pet and I am glad I chose Embrace.
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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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