Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Jennifer

Hands Down the Best Dog Insurance Company

I have been with Embrace for over 9 years and they NEVER disappoint. My 4yr old deaf boxer suffered a FCE in February and has required multiple procedures well over $2,000.. Acupuncture/electrotherapy is must to really help recover from this. Not only do they cover the acupuncture, water therapy but covered a Assisi Loop which I have to use 3 x daily for extra electrotherapy. I am beyond please with the company and continue to get calls from friends asking who I use. I have had at least two people sign up and will continue to "preach" about this company. Thank You Embrace for always making times like this extra easy!!!
5

out of 5

POSTED: | BY: Eileen

Thank you for showing such compassion during a difficult time.

Embrace has been great throughout my sweet boy Orange Guy’s cancer diagnosis. They were prompt with the reimbursements which was super helpful with his care and treatments. Sadly we lost our sweet boy last week. The Embrace team has been so kind and compassionate, they even lit a candle in his remembrance. Thank you 🧡.
5

out of 5

POSTED: | BY: Kae

LOVE this insurance policy!

We spent significant time looking at various plans and doing comparisons. In the end, we went with Embrace. SO happy we did. We included the Wellness Care option with or Plan and were skeptical about how long it might take to get reimbursed for covered Wellness Care expenses, but our worries were unfounded. We get reimbursed (via automatic deposit directly into our bank account!) quickly and get to use a quality Vet of our choice - PERFECT! We are VERY happy with our plan and enjoy knowing the simple things are covered (grooming, annual visits, etc.) and that we will not be blind-sided should the unexpected happens.
5

out of 5

POSTED: | BY: Jen

Don't know what we would have done without Embrace

When we adopted Dewey at 10 weeks old from our local Humane Society, I debated whether or not to get pet insurance. I decided to go ahead and get him covered then, just in case we needed it when he got older... he's a large breed, and our previous dog had developed mobility issues when he reached old age. I never thought we'd have to use it much until Dewey was much older, unless he suddenly got ill or was injured in an accident. Then at about one and a half years of age, he developed luxating patellas in both knees, requiring corrective surgery for each knee separately. I don't know what we would have done without Embrace to help cover the vet bills for each of his two surgeries. They were great from start to finish! Their customer service is fantastic, and they process claims very quickly. Thank you, Embrace! Dewey is doing well and recovering from his second surgery. Because of you, we've been able to focus on his rehab and not worry so much about the surgery bills. I'm so grateful for our policy with Embrace!
5

out of 5

POSTED: | BY: James

Great service

Prompt payment, no hassle. Wish they had highlighted or emphasized a direct deposit option when I enrolled, and also during the time I have been a client. I had to call and get that set up after claim was paid, and check was sent. This would shorten the time to get repayment, and reduce chance to lose a mailed check. Overall my experiences have been very positive.

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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