Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Teresa Postan

EMBRACE IS THE BEST!!!!!!!

We have 2 cats (Misty and Lacey) insured by Embrace. I chose Embrace when they were kittens because of the positive reviews. I want to add to those positive reviews! The first four years, our girls had no health issues. But shortly after turning 4, Lacey (our himalayan) started having seizures and bouts of pancreatitis. It was terrifying and we made many trips to the animal hospital and her local vet. After extensiive testing, they determined she was epileptic as no other cause for the seizures could be found. They put her on anti-seizure pills and put her on a special diet to help control her pancreatitis. A year later (unrelated to her other issues) she had to have eye surgery due to a corneal sequestrum. She is now doing great and is happy and playful (luckily her sister Misty has always been healthy!) But during those times when her health was faltering and we were so worried about her, the one thing we did not have to worry about was the financial hardships of her care because of Embrace! They covered her care (according to the plan we got) and approved every claim submitted! They were AMAZING!!! I cannot tell you how much it meant knowing we could count on them!!! They were also kind and caring anytime I needed to speak with them. I now tell everyone I know or see with a pet about EMBRACE!!! I am like a "walking advertiesement" because I have had such an AMAZING experience with them!!! Thank you EMBRACE for taking care of us so we could take care of our Lacey when she needed it the most!!!
5

out of 5

POSTED: | BY: Nannette Morgan

Best Insurance and Service

I've had my male Siberian Husky insured by Embrace for over 5 years. I've only recently had to make claims in the past two years - quite a few. They are always helpful and supportive and go above and beyond to settle any questions. The policy is easy to understand and if you're not sure, they are just a phone call away. The claims get settled very quickly as well with direct deposit into my bank account within 10 or so days. I highly recommend them to my friends and clients (I'm a professional dog trainer and behavior consultant).
5

out of 5

POSTED: | BY: Bill

What your pet needs

Haven't had any problems with Embrace. They respond quickly to submitted forms and provide detailed replies.
5

out of 5

POSTED: | BY: Claudia Ionescu

I recommend Embrace 100%

Not once in over 8 years i had a bad experience with Embrace. Its an amazing good insurance : great coverage, transparent policies, easy filing claims and quick payments. Their customer service is lovely and very helpful. I've had Embrace for all of my 4 kitties and it was the only way we were able to give them the best healthcare possible, for cancer and kidney failure. I 100% recommend Embrace to any any pet parent.
5

out of 5

POSTED: | BY: Bill

satisfied customer

I have had 3 pets insured by Embrace and I am satisfied with their services. My dogs are now 15 years old and one of them has developed some conditions which have required additional workup and medications. Embrace has been reliable in covering my pets claims.

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.

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