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.
4

out of 5

POSTED: | BY: Arlene Clark

New puppy wellness check

I have not had pet insurance for many years. Boy has it changed. I was pleasantly surprised. Embrace does things very quickly. I signed up and right away was reimbursed for her first visit. I was able to pick my coverage. The people are very friendly and right on top of things. I would and have told my friends about this.
5

out of 5

POSTED: | BY: Carol Mondschein

Great coverage and follow-up

My family and I rescued our dog 2 years ago. He came from a Southern high kill shelter and was thin and unhealthy. My family committed to giving our new addition a safe and healthy forever home where he could thrive a be happy. This would not have been possible without the help and support of Embrace. Embrace has been supportive and thorough from the beginning. Claims are read immediately and reimbursement is fair and fast.
4

out of 5

POSTED: | BY: Gabby B

Company has been getting better over the years

My dog has had Embrace insurance for going on 3 years and the company is easy to deal with and I have seen an improvement in communication as well as policies since we first used this pet insurance. I have never had any other pet insurance company, but I am happy overall with this insurance company.
5

out of 5

POSTED: | BY: John Tiberi

best pet insurance that you can purchase

Jack our doberman recently had to have surgery to remove a tumor on his back. It was tested for cancer and it came back showing that it was benign. Claim was submitted to embrace who in a short time paid a big part of the bill.
5

out of 5

POSTED: | BY: Kathy Piecara

You made a tough time much easier

My Boston Terrier mix, Callie, had a run-in with a porcupine. She needed extensive medical care and because of Embrace I didn't have to hesitate with a "YES" when the doctors asked "May we proceed?" Callie didn't make it but I rest easier knowing we did everything we could. I didn't have to make that hard decision that is usually driven by my financial situation. Thank you Embrace for being there for us. The claim process was easy during a hard time. When I spoke to you on the phone you were practically crying with me and I could feel the understanding. I'm not sure what else to say but if you are considering pet insurance, don't just consider it, DO IT! Embrace is the place to go. The process of enrolling and placing claims is quick and easy and worth every penny.
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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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