Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

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: Natalie

Smooth Sailing

My Rott/Boxer mix presented with a very runny stool, I had just recently purchased this insurance, he was seen at the vet, I sent in my claim, and received a quick confirmation that the claim would be honored and go toward my deductible. Great customer service, Bosco is doing much better and everybody is happy. So far, I have been very pleased with the customer service and very good communication. I am looking forward to working with Embrace for many years to come!
5

out of 5

POSTED: | BY: Mike

Refund for Vet Visit

We adopted our dog just about a month ago. A few days later I started a policy with Embrace and I also signed up for the wellness plan which will refund you up to $400 annually. That week I took Tucker for his first check up and I submitted my claim shortly thereafter for the check up plus heart worm/flee and tick meds. Within a couple of days I received full reimbursement for the vet bill.
5

out of 5

POSTED: | BY: Carey

Embrace comes through again!

Ariel had to have surgery back in September for a grade four patellar luxation. After weeks of therapy and recovery we noticed that she was walking different again. When we took her back to the vet the x-ray revealed that she needed to have surgery again. Because of Embrace we were able to focus on Ariel's second surgery and recovery without worrying about the cost. I would highly recommend getting Embrace insurance because you just never know what may happen to your furry friend's.
5

out of 5

POSTED: | BY: Wendy Ganza

Easier than Expected

I never wanted to have to use my dog medical insurance, but my lab mix, Honey, was diagnosed with Hemangiosarcoma, an aggressive type of cancer, less than a month ago. The Embrace team was extremely responsive with my claim and very helpful reassuring me regarding what was covered. I am delighted with their service, and would recommend them to anyone looking for a compassionate pet care insurer.
5

out of 5

POSTED: | BY: Danica

Did I really only pay $35 on a total kitten plan?

Yes I did. The original cost was $235, and after Embrace processed our wellness claim for my little cat, I had only spent $35. I am extremely pleased with Embrace. As an added plus, when I was deciding which company to go with for pet insurance, the Embracers were more than happy to answer every single one of my questions (no matter how silly or hypothetical). They didn't even mind when I called back after two minutes because I had thought of a new question!
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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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