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: Christine Aker

Thank you

Great company and easy to deal with. I purchased insurance for peace of mind, never thinking I would need it. My puppy was bit by another dog and then ate something that caused a blockage. Knowing I had insurance made the vet trips a bit easier. Embrace was always available to answer questions. I saved my receipts until my year cycle was up and sent them in all at once. Embrace's website kept me updated on the status and once all was complete I got checks in the mail. The policy paid for itself. Thank you Embrace for giving us peace of mind. I also love that RX is covered for a nominal fee!!!
5

out of 5

POSTED: | BY: Lilly

Great Piece of Mind

We have both of your pets insured through Embrace. We have had a very healthy Golden, who within the last year or so started showing her age with eye problems. Embrace has been wonderful and able to help us to keep our Golden, Coco healthy and happy. :) Claims are quick and an email is received each step of the way.
5

out of 5

POSTED: | BY: Megan Atashroo

Peace of mind after scary diagnosis for our family pup!

Signing up for pet insurance was long overdue on our to do list for our family dog Teddy and I am so glad I finally enrolled. Only 3 days after the waiting period was complete, our vet found a mass on Teddy's arm during a routine check up. I was totally caught off guard and fearing the worst! Fortunately, the mass ended up being a slow growing cancer that was unlikely to spread but the treatment cost was much more expensive than I would have anticipated. We submitted all the estimates to Embrace, they rushed our pre approval process and within days we had an understanding of what was covered (most of the cost!) and what our out of pocket expense would be. Having pet insurance allowed us to make an easy decision about moving forward with treatment for Teddy. He underwent surgical removal of the mass follows by 2 chemotherapy treatments. He is doing well now and should have a normal life expectancy, meaning we get to spend another 4-6 years with our buddy. Reimbursement was quick and working with embrace was always easy! Thank you Embrace!!
5

out of 5

POSTED: | BY: Penny Beaver

If you want to have peace of mind!

After experiencing several costly surgeries and a diagnosis of cancer for my chow chow, I decided after her passing to check into pet insurance for my Shiba Inu. I am so glad that I did and I am so glad that I chose Embrace. I took out accident/illness and did not need to use it for the first few years but now that Tippon is 10 he has been experiencing ear infections/allergies and had fractured his tooth. I have never experienced any issues with Embrace upon filing a claim and they process the claims and issue a check in a very speedy fashion. I have peace of mind knowing that whatever issues may come up, my baby will be able to have the best medical care possible and Embrace will be there to help. I highly recommend them.
5

out of 5

POSTED: | BY: Carole

A few more years with crazy Maisy

Maisy was diagnosed with a heart murmur last year, but recently it developed into severe mitral valve prolapse with a torn chordae, along with congestive heart failure. The hospitalization to stabilize her, ultrasounds, blood-work etc were all covered. She is now stable and on 3 medications that will give us a few more years together. I never had to think twice about treatment decisions because we had Embrace. Choosing Embrace was one of the best decisions I've ever made.

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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