Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Amy Ruppert

Finally! Healthcare insurance that is affordable and works! My lucky dogs!

I am owned by 4 Greater Swiss Mountain Dogs and love them beyond words. I don't EVER want to make a decision to let any of my dogs go when they could be saved without suffering because treatment is just too expensive. Embrace covers all 4 of my dogs and I sleep well at night knowing they are covered by a company that really cares and stands by their policies by quickly expediting claims without hassle. As president of our regional breed club I recommend Embrace to all our members too and they're just as happy as I am. Embrace does it right!
5

out of 5

POSTED: | BY: Lisa Hassett

Wonderful

Embrace has been wonderful during the most horrible time. My dog was suddenly diagnosed with liver cancer, bleeding into her abdomen. She died the next day. There was no warning. She was playing that morning and eating well. Collapsed due to hemengiosarcoma. Rushed to the vet and diagnosed with this horrible disease. She died the next day. It's been horrendous for me, but Embrace has been wonderful My claims were all processed and I received payment within a week. The staff was wonderful and I received a beautiful, handwritten card from everyone in the office.
5

out of 5

POSTED: | BY: Kristy Bikowsky

Embrace Pet Insurance is a Life Saver

I would be in financial distress if it weren't for Embrace Pet Insurance. Kuno, my 5 year old Rottweiler was diagnosed with Evans Syndrome. He was very sick and had to be hospitalized. Embrace covered the expenses paying 90% of the invoice . Kuno has to have blood work done every two weeks. Embrace pays every time. They sent Kuno a get well card . Their kindness and compassion amazes me and I can't Thank them enough. I would recommend Embrace Pet Insurance to anyone that has any kind of pet. Thank you Embrace for helping Kuno in a time of need.
5

out of 5

POSTED: | BY: Donna

A Godsend

This is the best pet insurance company. We've had some health issues this year and were able to get them diagnosed, treated, and under control thanks to Embrace. We are so happy to have found this company!
5

out of 5

POSTED: | BY: Marilyn Martin

Thank goodness for Embrace Pet Insurance!

When our Calico rescue cat Callie who is 10 started having digestive issues and had began throwing up several days in a row I knew something was wrong. My Vet thought it might be inflammatory bowel disease and the only way to diagnosis it was a Ultra Sound in order to rule out other conditions. However, due to the lab costs and the fact that she had to be sedated the cost was going to be around $900.00 Since my husband and I are both seniors on a fixed income this would have been a financial burden had it not been for embrace. My vet submitted a pre authorization from to Embrace and it was approved. We had the Ultrasound and it did show Callie has IBD which we now know how to treat. Embrace paid $705.00 out of $881.00. I am very grateful!! I am so happy with Embrace over the years I recommend them to my friends.

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.

Get a quote today

Leave a review