Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Carol Tatum

Excellent, as usual

I have had Embrace pet insurance for my Rottweiler ever since she joined our family. I've had 7 dogs, both Boxers and Rottweilers and everyone of them had major diseases as they grew older and all suffered from ACL tears. It was worrisome and challenging knowing that there would be thousands of dollars of medical bills over the years....so we went with Embrace. While Makey, my Rottie, has had two ACL tears by the time she was three, the worry about finances was gone....and we could concentrate on helping her heal and be the loveable pup she has always been. Thank you for easing the worry and letting us focus on getting our pup back to normal craziness.
5

out of 5

POSTED: | BY: Brandon P

Embrace is wonderful!!!!!

I can't say enough about Embrace. I have worked with other companies prior and will never go back. Embrace has quick responses and great coverage and very affordable. They keep in good contact and give personal attention to your concerns. I have 2 pups insured with Embrace and referred many family and friends to them as well.
5

out of 5

POSTED: | BY: Shannon L

Thank you!

My dog needs to be in a bubble..Embrace has been a life saver! I'm not sure what we would do without pet insurance for her, I feel like we're at the vet every other week. Embrace has made our lives so much easier!!!
5

out of 5

POSTED: | BY: Dawn

Transparent!

We love Embrace. Our doggies services are covered and poor excuses are not made for why they wouldn't be covered. Embrace is prompt with our claims and their customer service is awesome. I am so very happy I chose Embrace for my babies health. We have had her covered since she was a one year old puppy and have had our share of ups and downs health and accident related.
5

out of 5

POSTED: | BY: Lisa K.

Best Coverage Ever

I have two Boerboels (South African Mastiffs) both insured with Embrace. My male has had two ACL tears and surgery in the past 12 months. Everything was covered including post operative care. I am always comfortable that there will not be a question when my pets' health is concerned.

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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