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: Marta F.

Helpful in a very stressful time

My normally rambunctious 15th month old shepherd mix was diagnosed with pneumonia within a few days of policy renewal. In his recheck visit it was discovered he had a bronchial infection. Between the hospital stay, medication and follow up visits, the costs really mounted up (over $2000). The *very* helpful Embrace staff answered all my questions and were able to ease my mind in a very stressful time. I am very happy with how the claims was handled and the efficiency of the customer support staff. There is no doubt that insurance can be costly and the premiums do go up every year. For me, however, the peace of mind knowing I will be able afford emergency care for my dog at the time I need it is worth the cost. I have added the premiums to my annual budget. A relative first suggested Embrace and I am so glad I overcame my initial hesitancy. I have Accident & Illness coverage at 90% as well as Prescription Drug coverage. In my case the cost of wellness coverage exceeds our standard outlay that it is not worth it. I highly recommend Embrace.
5

out of 5

POSTED: | BY: Jaime Caldwell

We LOVE Embrace!

We've had our insurance through Embrace for over 10 years and couldn't be happier or more grateful for it. It's easy to use and our claims are responded to SO FAST! I wish Embrace offered health insurance for humans because they've been so great to work with!
5

out of 5

POSTED: | BY: Don Lindsey

Embrace Review for Gracie

I have Embrace Pet Insurance for my 9 year old Miniature Pincher, Gracie. She recently had to have surgery for a malignant mass in her leg. Embrace was fast, efficient, and helpful in fulfilling my claim for the expenses. They were also very caring and sympathetic to my plight and always inquired as to how Gracie was doing with her recovery. I would recommend Embrace to anyone who has a pet they love because it give me great peace of mind to know I have a reliable, personable company to help me give Gracie the best medical care possible.
5

out of 5

POSTED: | BY: Terese Ciaccio

Thank You! So glad for this insurance...

Never wanted to use this. Lulu had 2 tumors removed and continues to receive medical care. Embrace has been there for Lulu, helping me not have to choose other options. Highly recommend this company.
5

out of 5

POSTED: | BY: Lisa

So grateful we have Embrace

The peace of mind this insurance gives us is priceless. It allows us to make veterinary decisions easily knowing we have this coverage to fall back on. Reimbursement is very quick once the claims are filed.The only thing that would make this service better was if the premiums were not tied to the age of the pet and did not increase annually.

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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