Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Kathy Buntrock

So glad I signed up our dogs for insurance!

We had a very scary event with our 6 year old Flat Coated Retriever. She suddenly started retching and panting for air at 9:30 at night. She had to have emergency surgery for GVD and bloat. Knowing we had pet insurance gave us some comfort in signing for her surgery. Had no idea how much you guys would really cover and have to say I am pleased that you covered about 70% of the costs. The claim process is very easy and you reviewed our claim in a timely manner.
5

out of 5

POSTED: | BY: Courtney

Great company

I've had nothing but a positive experience with Embrace. I've had them for three years now and it's nice to have that peace of mind for my doggy. Thanks!
5

out of 5

POSTED: | BY: Dawn

awesome

always get my claims covered and fast!
5

out of 5

POSTED: | BY: Lorraine

Great & Fast Service

Our Penny suffered an acute digestive incident that scared us to death. The administrative process to submit our claims was quick and easy. The reimbursement we received was also quick. I'm sure customer service is quite helpful but I didn't even need them, that's how well the online submission process was. Wish all companies ran as well as Embrace.
5

out of 5

POSTED: | BY: Mary E.

Embrace helps you get through sad times.

We have a 2.5 year old very active male English lab. He went on hikes, romped around the yard - very active. We never noticed anything until one day he jumped out of bed and came up limping. Later on that day he bounded out the car, crash landed and was on three legs. To the vet we went. Very sad to learn he has severe osteoarthritis in BOTH front legs as a result of elbow dysplasia. We had no clue - one week later he is limping on back right leg. To the vet - hip dysplasia. How can this be? Anyway, we sent the forms in not knowing what to expect since we never did pet insurance.Embrace got back to us in a couple of weeks and all is covered. It won't make our lab better, but it certainly will help pay the bills that are quickly adding up. Thank you Embrace!
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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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