Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Connie

Embrace is the best decision we have ever made for our Molly.

My husband and myself as well as our Molly are very happy we made the smart decision to get Pet Insurance for our Yellow Labrador Retriever. As we all know those little puppies are so sweet and warm our hearts but we all need to realize the unexpected can happen and they will need medical attention. For our Molly it was her being very active and as a result like an athlete she came down on her left rear knee incorrectly and as a result tore her ACL. Molly had her surgery and all was well but we were told that 80% of dogs who do this will have the same happen to the other knee and that it did. Within a 6 month period, Molly had TPLO surgery on her right knee. Thanks to Embrace,, Molly was able to have both knees repaired and is now good as new. We have used Embrace for small illness but it sure was a lifesaver for Molly and our checkbook. They are great to work with and you are reimbursed in a very timely manner. Have never regretted our choice to put Molly on Embrace Pet Insurance. If it was available to humans.....I would be signing up for sure. Thanks Embrace.
5

out of 5

POSTED: | BY: Cathy

Really worth its value!!!

the value of this has worked beautifully and gives us peace of mind.
5

out of 5

POSTED: | BY: Kara

Love this insurance

Easy to use. Fast claims. Good coverage. Highly recommend
5

out of 5

POSTED: | BY: susan

Very happy with Embrace

Choosing Embrace has been one of the best decisions I have ever made. They have covered all our claims (and we've had our share and then some!) I would suggest to anyone looking into pet insurance to read and re-read the fine print. In my opinion, Embrace offered the most comprehensive coverage at a reasonable price. The policy we chose covers 80% including the office visit charge which no other pet insurance offered at the time. I have recommended them to many! Thus far, very happy!
3

out of 5

POSTED: | BY: Jane

Claims Department Needs Improvementfl

The Customer Dept. is very professional but the claims department needs improvement in settling claims. Takes a very long time to get reimbursement. I had to call three times to find out the status of my claim. Very frustrating.
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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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