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: Janice L.

If you do anything for your pet, get Embrace

I had a mixed breed dog who tore his ACL several months ago. Because of this, I decided to purchase pet insurance for my other 2 dogs.I had the pet insurance for about 2 months, and one of the dogs developed acute symptoms of bloat. The speciality vet said: You have 2 choices: euthanasia or immediate surgery. The vet saved my dog. Without pet insurance, I would have been in severe debt. I will never go without pet insurance again.
5

out of 5

POSTED: | BY: Carolyn Fisher

The best animal insurance I have ever had.

Paid in full for every claim I have submitted, shots, illnesses.
5

out of 5

POSTED: | BY: Therese Murphy

Excellent service! Very caring staff!

My golden retriever had pericardial effusion and a mass is his stomach. I had visited both my vet and a specialist before I found a surgeon to do the procedure to remove the mass and also remove the pericardium. Much to my relief no cancer! He is 10 years old and it was a major surgery for him but he is back to swimming in the Ohio River once again. I am so grateful that Embrace covered 80% of the cost for the surgery. I was reduced to tears when the caring staff sent my Levi a get welll message. It is so comforting knowing they don't just run a business, they care! Thank You.
5

out of 5

POSTED: | BY: Valerie lawrence

Claim

I am truly grateful for embrace pet insurance. I have had a great experience so far. Thank you
5

out of 5

POSTED: | BY: Michelle W.

Easy and fast!

I have been using Embrace Pet insurance for a few months now.The service has been very quick in reimbursing my pets medical bills, and I only have to submit 1 form signed by the Vet after a visit.
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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 detail
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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