Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Dennis

Thank you Embrace

In November our 3 year old Yellow Lab Beau ate a box of suppositories. I found him just as he was eating the last one. I immediately checked the internet to see if there could be ill effects and I did not find anything. About 2 days later, Beau would not eat his food (extremely unusual) and went outside and threw up. I immediately took him to the vet and was told to take him to a local animal hospital. Once there, they took blood and determined that his kidneys were shutting down (functioning at 25%). Beau ended up spending 5 nights and 6 days in the hospital and a few follow ups at out vet and Beau is back to normal. I could not be any happier with Embrace. They have paid all the bills(which were rather large) per our policy and paid them in a very timely manner. I would highly recommend Embrace to anyone considering purchasing pet insurance. They saved Beau's life. Thank you Embrace.
5

out of 5

POSTED: | BY: Mary

gratitude

I have had Embrace Insurance for my beloved Lucy since she was rescued almost 5 years ago. She is basically healthy, but, has had a few health problems through the years. Embrace has helped me provide wellness & medical care when she needs it. And your customer service is great. Thank you.
5

out of 5

POSTED: | BY: Craig

Couldn't ask for any better, they were great!

The love of our lives Duchess a Cavalier King Charles Spaniel was stricken with CHF at 9 1/2 years of age. She required several trips to the emergency hospital and to Cardiac specialist in attempts to give her a better and longer life. We lost our battle but are thankful we had our friends at Embrace to allow us the opportunity to provide the best care we could. I recommend without hesitation the Embrace product. They did exactly what they said they would. We intend on opening a new policy as soon as we get our new love. Thank you so much for being there.
5

out of 5

POSTED: | BY: henry

seizures

Embrace has certainly helped me with my canines. One of my girls Cherish had seizures staring at approx. 1 year old and needs meds daily to keep her from getting more. Embrace never questioned or tried to get out of paying from that issue or a major issue with my other girl HOPE who had pyrometra, a uterin infection. I recommend them to all and told several vets about them as well, even mentioned them in face book as I am a animal lover,70 years old but on limited income. Just having it gives you peace of mind knowing that if a major problem occurs , Embrace has your Back !!!!!!
5

out of 5

POSTED: | BY: Bill

Ten more years of love!

After removing a Mast Cell Tumor we were told by vet that all margins clear, we got it all. Even though surgery, which Embrace covered, was deemed successful, vet asked if I wanted to send off tissue for further analysis. Most folks would not have done that but since I have Embrace I said why not. Well results came back very scary-very aggressive form of cancer with a 8 shot chemo protocol recommended. Only because I have Embrace which basically said when we cover the original diagnosis we cover EVERYTHING that's needed for recovery, our 4 year old white Lab Bella has a better than 90% chance of another good 10 years with us. Thanks Embrace!!!

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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