Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Bill Jacot

Fantastic Company

Penny, our 2 1/2 year old English Bulldog is a real problem child! Since she was a pup, we have had ongoing medical issues with her. She has chronic eye issues and severe allergies. But, she is a loving and sweet little girl. Embrace has been a life saver for both her and us! Seeing specialists for her treatments has been a challenge. Embrace has been right there and followed through with their commitment. They have covered her expenses as promised with quick and efficient service. When they do have a question, they have worked it out with the Vets involved and have never turned down anything. Maybe not the cheapest veterinary insurance, but the best value for the money! Most companies will not cover typical issues endemic to certain breeds, but Embrace does! Thanks Embrace. You guys are great!
5

out of 5

POSTED: | BY: Dana

Best decision we made for our puppy

Thank goodness we choose Embrace for our puppy. You never think anything could be wrong with your beautiful puppy. We welcomed Gracie into our family at 8 weeks old and instantly feel in love. She was a bundle of energy and just loved to play and run. At 9 months we realized she was not walking quite right. She needed surgery to correct her elbow that didn’t grow right. Having Embrace helped us get her needed surgery without putting so much stress on the budget! Embrace makes the process easy and I highly recommend them.
5

out of 5

POSTED: | BY: Geri Cooperman

Embrace insurance is always easy to deal with.

Unfortunately, our dog had 2 knee surgeries (CCL) this past year. The surgeries and the rehab were difficult for him, and for us, but we were relieved to know that we had reliable and fair insurance to cover much of the costs for his medical care.
5

out of 5

POSTED: | BY: Ginny Larrabee

Coverage for surgery

Customer service outstanding , prompt service, submission for covered services easy ! I wish human services were this easy !
5

out of 5

POSTED: | BY: Lora

It's there when you need it

My little dog got into some burrs while chasing rabbits in the back yard and one stuck onto the fur around her eyelid and the burr was scratching her eye. Her eye started swelling and I immediately took her to the ER and they had to get it out under anesthesia. I brought Embrace forms to the vet, very simple forms to fill out and email back into them. I'm so glad I have this insurance, it covers a lot and I would do anything or pay anything to keep my fur baby healthy. They covered the whole amount and applied it to my deductible. I would rate them a 9 only because it took awhile to get a decision back but I think this is the best compared to the other companies that offer pet insurance and no one is perfect.

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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