Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Rebecca

Thankful to have Embrace Pet insurance

We joined Embrace Pet Insurance in 2016 and our dog was 7 years old. It was my husband's idea to look into pet insurance after hearing stories about medical expenses from other pet parents at his office. I'll admit I did not think it was important but I went along with the idea and did some online research. We decided to get Illness and Accident coverage. Here we are 2 years later and I am very thankful that we have insurance for our dog. In past year, our dog has had surgery to repair his cranial cruciate ligament and, most recently, had a pericardial effusion. Having Embrace Pet Insurance has allowed us to meet our dog's medical needs without worrying if we can handle all the expenses. The customer service reps have been very helpful. Filing the claim forms have been easy, too.
5

out of 5

POSTED: | BY: Ruth

TOTALLY HAPPY CUSTOMER!!!

I am so impressed with Embrace. They are not only friendly, but very efficient. I turned two claims in on December 26, 2018 and today I received conformation that they were both paid! HOW'S that for SERVICE? I am so glad that I chose Embrace for Cooper.
5

out of 5

POSTED: | BY: Joe

Great customer service

My dog recently developed cancer and quickly passed away. I submitted a claim for the testing and xrays to diagnose the issue. Within a few days paid in full with no hassles. Great products and great people.
5

out of 5

POSTED: | BY: William

Embrace Looks Out For Us!

My lab and I have been customers with Embrace for over two years. Over those years, we've filed several claims for things ranging from small illnesses to surgeries. Embrace was helpful, fast in processing our claims, and I always felt like they were looking out for us. I am thankful we found Embrace!!
5

out of 5

POSTED: | BY: Mary

A Bad Year for Ani

My coton de tulear rescue, Ani, has been insured from birth. She is extremely health, but this year she poisoned herself twice with amanita pantherina, an extremely dangerous hallucinogenic mushroom. She became deathly ill in the middle of the night and the vet and I sat up with her til her neurological symptoms cleared. The vet could not authoritatively diagnose her illness at the time, but a week or so later she went for another panther cap on her daily walk. Now I keep her muzzled when out of the house. However, she later ingested a potentially lethal dose of 5 HTP (digging it out of a visitor's purse), which causes a serotonin overload in dogs. Followed up with an infected/ruptured anal gland. While she was under anesthesia, the vet checked her dentition and found four loose/infected teeth that needed extraction.

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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