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: Scott

Embrace is Part of the Team that Saved our Cat

We are a three cat household and so early on we decided we needed to obtain insurance for our four-legged family members. We had always been pleased with the service and quick payment of wellness claims. Then in November 2013, our sweet cat Stefani was diagnosed with kidney lymphoma. It was a scary time for us after we discovered the "lump". When we were provided with a treatment protocol and the cost, it was bit overwhelming; however, we soon discovered that because of our insurance, the cost of treatment was no longer a big concern for us and we could focus on Stefani's treatment. Stefani has been cancer free and it's been a year since her final chemo treatment. She continues to be seen by her oncologist and Embrace continues to cover her post-cancer treatments. Thank you to Embrace for being part of the team that saved her life!
5

out of 5

POSTED: | BY: Lisa

Pawesome Company!

I highly recommend getting insurance from Embrace for your furry loved ones! My English bulldog got a soft palate surgery along with a few other minor surgeries and Embrace was able to cover the claim!
5

out of 5

POSTED: | BY: Vicky

Excellent customer service and east/fast to submit claims...

I’m very impressed and pleased with Embrace’s customer service. The claim process is simple and quick. I’ve never experienced any problems and have been a customer for years. I’m grateful for pet insurance and Embrace taking care of my baby.
5

out of 5

POSTED: | BY: Michael

Booster Shot

Took my dog in for a routine booster shot. Uneventful. Filed claim for $23.00 that was promptly covered under the annual $200/yr wellness benefit.
5

out of 5

POSTED: | BY: Susan

We are lucky to be "Embraced!"

We have been able to count on Embrace to help alleviate the high cost of veterinary care for our "furry problem child," our Golden Retriever, Levi. Embrace was there when, at four months, he ate my son's very large sock and needed emergency surgery. Little did we know that was only the beginning! Embrace has been there for us through poisonous snake bites, several life-threatening events, including toxicicity from an unknown substance, as well as more surgeries and other emergencies.. Through it all, Embrace was quick to settle the claims so we could financially recover more quickly from Levi's many emergencies. He is a 9 year-old "puppy" that brings a smile to everyone he meets and joy to our family. Thanks, Embrace! '
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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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