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: Patricia Choquet

Love Embrace!

My poor dog has epilepsy! But thank goodness I got insurance for my dogs when I got them. Embrace has been a lifesaver! I am able to take care of my dog and not worry about the costs!!!! Embrace has been very fast refunding all of my claims. I have a lot with all the meds and tests. Thank you Embrace!!!!!
5

out of 5

POSTED: | BY: Shelly Rusk

Excellent

After several years with a different insurance and so many hassles, I switched to Embrace. I am so glad I did and wish I had done it sooner. I so pleased with their responsiveness, helpfulness, and always keeping me informed. The coverage is better and the cost is cheaper! Best switch I ever made.
5

out of 5

POSTED: | BY: Dave Snyder

Better than Expected

Great options, terrific follow through, and incredible communication from the staff. The investment is paying off not only financially, but emotionally. I know we are in great hands.
5

out of 5

POSTED: | BY: Elizabeth Wagner

Embrace made it easy.

My 2 puppies were just neutered and spayed and Embrace Wellness covered it right away, no need to wait. The forms were super easy to fill out and Embrace follows up with very friendly and helpful e-mails. My claim was paid fast, too, directly to my bank account in about 2 weeks after filing. Fast and easy. Thanks Embrace!
5

out of 5

POSTED: | BY: Linda Olmstead

its been a bad summer!

Have had lots of claims for my two dogs this summer for some strange reason and Embrace has honored all. We are over our deductible so I really appreciate the extra financial help.
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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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