Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,177

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: Sanford

Embrace Pet Insurance: clearly the best

I am a very satisfied customer of Embrace Pet Insurance. I am impressed with how easy and timely their claims process is. When my dog had an ACL tear they made it clear we could pursue alternative therapies &/or surgery. We have been doing physical therapy, chiropractic and acupuncture and have been seeing steady progress without surgery. This is a really great company, and I highly recommend them to other pet owners, encouraging others to use this company whenever I am asked.
5

out of 5

POSTED: | BY: Cheryl Peregoy

excellent - refreshingly pleasant experience

Having dealt with the so-called leader in pet insurance, we were thoroughly impressed with how easy it was to file our first claim with Embrace, how responsive they were and how quickly they processed everything. The amount paid was exactly what we expected - no hidden reductions or benefit caps.
5

out of 5

POSTED: | BY: Donna Puccini

Embrace is above the rest!

When my last dog was a puppy, there wasn't wellness care or cancer coverage so I decided not to purchase insurance. Last year my dog passed away from Lymphoma cancer and decided to search for pet insurance that had extensive coverage options. When researching insurance policies and coverage, Embrace had a wealth of coverage including wellness and cancer coverage among other health issues and pre-existing conditions which other insurance companies tend not to cover so I decided to take a chance. All of the people at Embrace have been extremely helpful including answering all my questions. When my new puppy was spayed, I submitted my bills and was reimbursed promptly under my wellness policy. It was hassle-free and quick to receive payment. Wellness coverage is a plus and well worth it. I would recommend Embrace to any pet owner.
5

out of 5

POSTED: | BY: Deborah Harrison

Real Animal Lovers & Professionals

I've only filed one claim on my Boerboel, but that claim was handled expeditiously and to my satisfaction (not an easy feat since I am one of *those* dog moms who wants to know/understand everything)
5

out of 5

POSTED: | BY: Judy Di

very pleased with Embrace

I adopted a 7-year old golden/collie mix, Angelo, two months ago. Because we had spent a lot last May when our late dog was critically ill with meningitis, I decided to buy pet insurance when we got Angelo. Angelo had been with us only a short time when we noticed that his third eyelid was showing. Our vet recommended an MRI. Embrace covered a substantial amount of the cost and reimbursed us quickly. I would definitely recommend Embrace to other pet owners.

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 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.

Get a quote today

Leave a review