Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Mildred

Wonderful company

I have been with Embrace since my two cats were kittens, coming up on 5 years. They have been great. They correspond and process your claim(s) fast. I've been telling my friends about them.
5

out of 5

POSTED: | BY: patricia

Amazing ins company!!!

Once again, submitted a claim, once again an immediate and friendly response and fast turn around with reimbursing us. I wish our human insurance was half as good!! :)
5

out of 5

POSTED: | BY: Jill

Great Medical Pet Insurance

With the growing cost of veterinary bills, it will be crucial to have every pet on Medical Pet Insurance just like in the human world. Embrace is a great insurance.
5

out of 5

POSTED: | BY: Donna

I feel secure with Embrace Pet Insurance

My golden retriever, Piper has been insured through Embrace Pet insurance since 2016 when she was a puppy. We take advantage of the wellness plan, which I consider a savings plan for preventative meds that I would be buying anyway. We have used the illness plan for minor illness and have had great customer service. I am retired and feel secure in the fact that as Piper ages, I'll be able to continue to give her good care because of the coverage Embrace supplies.
5

out of 5

POSTED: | BY: Sue

Unbelievable satisfaction - don't wait!

For the past 2 years or so I've been contemplating pet insurance, however my husband and I kept telling ourselves we can't afford it, we'll just continue putting our money towards healthy, high-quality pet food and treats for our 8 and 9 year old dogs. Still, that nagging feeling that what if one of our pups got a serious illness what would we do? Take a loan out on our house? Accumulate a high interest balance on our credit cards? Put them down? This past Christmas (2017) I finally convinced my husband to pull the trigger and we signed up for Embrace pet insurance and It was surprisingly more affordable than I ever imagined. especially if you pay for the entire year at once True store, January 7th 2018 our 9 year only pup had unexplained "bruising" on his tummy followed by an "allergic reaction" the following day. Here we are in February 2018 and after many tests and procedures he's since been diagnosed with a mast cell tumor (cancer) which has spread. All of our vet bill, ER hospital visit, and veterinary specialist receipts have been submitted and paid except for 3 recent ones still in review. I really can't believe how simple and easy it has been to submit and get claims paid. I also can't believe Embrace did not try to chalk this up to a pre-existing condition since the timing of it all was so unbelievably close. Our pup still may not win this battle but at least we have the comfort to know we are able to provide him with the best available medical treatment, without having to subject ourselves to the emotional decision just how much are we willing to give up financially to help save or extend his life. We are stressed enough with the thought of losing our boy, at least we do not have to stress about money or the discussion between a couple of how much are each of us willing to spend to save our beloved pup? Bravo, Embrace, you have been absolutely fantastic!!!!

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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