Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Mark

Not what you'd expect from an insurance company

I have to say, I was quite doubtful that purchasing pet insurance company would be very wise but after my first year of coverage, I had to renew for another year. Everything negative you've heard about an insurance company, seems to be missing from Embrace. Communication, customer service and honoring their claims, you couldn't ask for much more.
5

out of 5

POSTED: | BY: Eileen

Loki has blown out his back.

One day Loki came in from outside, and when he got a welcome pat on the butt, he yelped. Within a couple of hours he could barely walk and use his back legs. I immediately took him to my vet where they did X-rays and gave him an RX for pain. That evening he was worse, so I took him to the emergency specialty vet. He stayed two nights and received multiple tests including an MRI. and spinal tap. The result was inflammation of the spine, ruptured and bulging discs. The two days of charges came to over $5200. After my deductible, Embrace reimbursed me 80% including costs of medication. Loki is now being treated with acupuncture, chiropractic, massage, medicines and rest. He will never be the same, but at least he is able to have some comfort and a normal dog life. I would not have been able to afford this care without Embrace Insurance. I recommend Pet Insurance to all my friends with animals.
5

out of 5

POSTED: | BY: Corinne

Best thing I did was buy insurance with Embrace

I have had a wonderful experience with my Embrace insurance coverage. I've had to make three claims since purchasing the insurance and each time they have been great with communication and timely claim coverage. I tell everyone I with a new pet that they should buy insurance and I highly recommend Embrace to them. Thank you very much!
5

out of 5

POSTED: | BY: Christine

True and Tried - Wellness care program is awesome and claims are easy and fast!

Embrace insurance has been a worthwhile purchase in helping me financially care for my dogs as they get older. Their claims process has been fast, simple and dependable. Anytime I have a question of a claim being covered before I go to the vet, a customer service representative has been easy reach, no phone trees! Their wellness care program is awesome, helping to cover the cost of essential items that can become costly, especially with 2 dogs, example, frontline, heart guard, vaccinations etc. Embrace Insurance has lowered my stress level about ever needing to make health care decisions for dogs based on what is best for them, not what I can afford. Thank you!
5

out of 5

POSTED: | BY: Korky Patterson

Embrace was with me as I struggled with Abby's health problems

Enbrace was there for me as I struggled treating Abby's renal failure and heart murmur as she slowly declined and I had to choose to stop her further decline even though she fought hard to stay with me. She lost 25% of body weight and just could not overcome enough to continue. She was a beautiful Toy Pom, normally 4 and a half pounds, red sable. She was also my medical alert service dog for the past 14 and a half years. I would recommend Embrace to any pet owner. They were there to answer any questions and help with the process.

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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