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: Kim Moffitt

Great coverage, great service

We get great service and great coverage for our cats over the last few years. We have one cat who developed a heart problem at about age 8, and we are able to get him an annual cardiology appointment to give him the best possible care to help him live longer. We've been reimbursed for one knee surgery, one very sad acute illness and death, and one neurological problem of an indeterminate origin. Embrace doesn't cover dental, but when I looked into a different company that did (when we got a new cat), I found that the "dental" coverage was only for problems, not cleaning. And only in effect if your cat had an annual cleaning. That's a lot of anesthesia that may be unnecessary depending on the cat's teeth. So we continued with Embrace for the new cat. There have been no surprises, no items not covered that we thought should have been.
5

out of 5

POSTED: | BY: Kathy Collings

Embrace Pet insur. is caring and responsive.

Those at Embrace are honorable people who tell you honest information. They have always covered my cats for illness and wellness. The money I pay is well worth what service I receive from them, including the peace of mind that if disaster/emergency happens, I can still afford good veterinary care. Thank you.
5

out of 5

POSTED: | BY: Susan chambers

Embrace helped save my dogs precious life

I still have my lovely golden retriever to love and we are not in debt up to our ears because of it. I tell every dog and cat lover I talk to " get pet insurance, use embrace!" They are so thankful to hear it. Our golden had brain tumors. I did have to drive her two states away for radiation treatments in California but due to it being covered I could afford to. What a relief knowing embrace had our backs during this very difficult time. It is now 5 months later, they paid for all medicine she required which she is now weaning off and she is doing really well. Then found out our rescue German shepherd has bilateral elbow dysplasia, which no surprise embrace paid to diagnose and paying for paying medicine. He is doing so much better, our part will be to reduce his weight which we are doing. Get embrace pet insurance, you won't be sorry. I have had a few hick ups with a few people I talked to there making me second guess using them, but it was always resolved by reaching out to them
5

out of 5

POSTED: | BY: Anou Michele

excellent insurance company

I am so glad I bound Embrace Pet insurance. It's a relief to know that if my dog gets sick or hurt that my insurance will cover 80 percent of the expense. They reimburse in a timely way and stay in touch to make sure I received my check. The personal touch is a valuable perk. Thank you.
5

out of 5

POSTED: | BY: Paula

All positive experiences

Embrace has great coverage and is very quick on their reimbursements!

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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