Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,001

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: Joyce

Best Pet Insurance you can have.

Our Siberian Husky has been with Embrace since he was 8 weeks old and he is now 7 years old and we have had to file claims and never had a problem with them. They respond within the time frame they say they will and we have the money deposited directly into our bank account. Also, if I've called or emailed with a question it was met with a friendly, courteous response. My husband and I always recommend Embrace when talking to other pet owners.
5

out of 5

POSTED: | BY: Sara

Worth every penny!

I've had Embrace Pet Insurance for a little over three years now and it has been a very worthy investment. I have a very active dog that is prone to leaping and not looking so she ends up with cuts, broken bones, and more recently, in need of a major knee operation. I was able to get information prior to every surgery and physical therapy session to make sure I knew what was covered. The online claims process was incredibly simple and I was always reimbursed in less than three days. With the physical therapy it was usually next day. While initially I purchased the insurance for peace of mind and for "just in case" moments, I now bring my pup in for everything because I know it won't be a financial burden.
5

out of 5

POSTED: | BY: michael

very satisfied with embrace ins, ive had it for years great service

again i am glad to have embrace ins.
1

out of 5

POSTED: | BY: Brenda

I am very unhappy with the amount they covered for my claim. I found this insurance to be not worth the money.

Wouldn’t recommend
5

out of 5

POSTED: | BY: Sharon

TPLO surgery (tibial-plateau-leveling osteotomy)

I took out insurance on my dog because of the rising costs of veterinary services. Zoe is my 4th American Bulldog and none of my other very athletic and muscular AB's have ever needed orthopedic care before, so when Zoe tore her ACL it was a complete shock! I took her to a vet specialist about an hour away and was quoted $5500 for the surgery (!). Fortunately I asked around and found a "mobil vet" who specialized in this procedure and worked with over 40 vets in my area and performed the surgery for nearly 1/2 this cost. I got prior approval/clearance from Embrace before the surgery (which I highly recommend). The approval process was fast, as was the refund for the surgery itself. I am SO glad I had this insurance and can not recommend this company more! They are very organized and professional.
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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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