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: Shelley Nix

Blessing!

We're greatful for the service and coverage with Embrace. When our newly adopted puppy "Rylie" was stung by a Bee and had respitory issues from it, we started out for our Vet and did not make it there but instead pulled into the closest Vet we could find. They welcomed us with opened arms and helped save the day. Embrace was awesome about covering that emergency without a problem. I even waited to turn in paperwork with other claims and it was taken care of. This is the first time I have bought pet insurance and so far it's a great expierence.
5

out of 5

POSTED: | BY: Sue DeBord

Simply the Best

I had another insurance with my other Newfie. They only paid a specific amount for a procedure. Which doesn't work well when they say they only pay 1000 and the procedure is 3000....so when I got this puppy, I chose Embrace because they will just pay what ever plan you chose. You chose a yearly $$ limit and $$ deductible. This way I can use any vet etc, and not worry about the exact price. Sage became very ill and we were at OSU for awhile. Embrace has paid every bill 80%...which thus far has been $4712.37. I can not express how comforting it is to have your dog treated where ever necessary to make sure they get well and survive. Sage is doing awesome at this time.
5

out of 5

POSTED: | BY: Carol Greenwald

So happy with Embrace

This is my third year for Embrace coverage for my two dogs. I have been extremely happy with their quick processing of claims, helpful response to inquiries and ease in paperwork
5

out of 5

POSTED: | BY: Deb

Embrace enabled us to provide the best dog.

OurPyrenees embrace has covered all of my dog's claims as expected. Claims were processed within a couple of weeks
5

out of 5

POSTED: | BY: Becky Smudde

Embrace Pet Insurance is great!!

I was very skeptical about getting pet insurance for my dog. But with hearing how other friends who got insurance and said it was a lifesaver to them. I decided to check into it. I spent many hours researching Pet insurances. Considering I have a Labrador, you never know what they can get into. In the end I found that Embrace was the top one that I felt was the best for my pet. I have been a customer for about 6 years, and it has really been a life saver. The customer service is above what I expected. You can tell that they actually care about your pet and understand how your pet is like family to you. They have gone above and beyond for my dog and I. I have given several people recommendations to get Embrace, and I will continue to do so. Thank you Embrace for everything you have done and continue to do. You are a great company.

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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