Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Georgette

Happy to have embrace

First let me say I’ve had pet insurance for almost 10 years. Embrace probably for the last seven. I got pet insurance because my dogs were so energetic I figured it was gonna cost me an arm and a leg. Well, they didn’t. Moses, my male dog, just recently at the age of nearly 10 developed cancer in his spleen. We had to have emergency surgery. The costs as you can imagine are astronomical and without Embrace insurance I would be so far in debt. The claims were reviewed fairly quick and reimbursed as soon as they were approved. This has been a big relief during a time of sorrow and uncertainty. We are still looking at options for treatments, such as chemotherapy. It is a big relief to know that if that is what we choose to do Embrace will help us pay for the cost. I can focus my attention on my dog and on the decisions that I have ahead and leave a big chunk of the financial burden with Embrace insurance. Thank you for that.
5

out of 5

POSTED: | BY: Doreen Chilton

Best pet insurance

I am so impressed with Embrace , I have recommended them to lots of people . I have had them for a few years and they have covered every claim that I have submitted. My dog has everything from an MRI , to ultrasounds, two torn ACL ‘s and it has all been covered. I love that they cover alternative things too like acupuncture, laser treatments and physical therapy.
5

out of 5

POSTED: | BY: Haber Lawrence

The best of show!

Best I’ve Ever Used
5

out of 5

POSTED: | BY: Carl E.

Consistent

Embrace has consistently provided excellent service. The staff is consistently courteous and caring whether on the phone or via email. The information provided is always clear and easy to understand. We are very grateful to have found Embrace.
5

out of 5

POSTED: | BY: Doris

Couldn't be easier.

Submitted claim, no follow up needed on my end, updates were often and informative and when approved, check was in my hands just days later.

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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