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: Claudia

Very Happy with Embrace

I've had all of my 4 kitties covered by Embrace, for over 6 years now. I am very happy I did it : their prices are reasonable, benefits /exclusions clearly explained. Their staff is always knowledgeable whenever I had questions. Claims submission its easy, processing is quick , same for the payments. They really made my life easier during difficult times.
5

out of 5

POSTED: | BY: Danielle

Embrace is quick and reliable.

Embrace is quick and reliable. Our Lab has had several necessary trips to the vet this year and I'm so thankful we have Embrace. It has helped with the bills and the staff is very helpful.
5

out of 5

POSTED: | BY: ARochester

Guardian Angels

Pancho Villa has developed several conditions in his short eight years. His vet bills have been enormous. After his last battery of tests a few days ago, the vet has determined that more costly medications are required as well as more monitoring. Fortunately, Pancho has a Guardian Angel in Laura Bennett and her Embrace Pet Insurance. All of Pancho's visits to the vet and all of his prescription medications have been covered. Additionally, each claim has been settled promptly without a lot of negative dialogue. From the first day, I have maintained the feeling that Laura genuinely cares about animals, especially my dog for whom she is a guardian angel.
5

out of 5

POSTED: | BY: Susan

Thank goodness for Embrace!

Bella has had some really bad luck lately! A stroke 3 months ago, which made her lose all sensation in right rear leg. With time, rehab and acupuncture, she is walking again! Then, she came down with a growth/mass on that same paw, which they thought was cancer. It was surgically removed and it is not!! But, she had an allergic reaction to the stitches so it isn't healing well! My poor girl had a bad 2016! Thank goodness we have Embrace!! I haven't had to worry at all about coverage or what's in store for the future for this to heal! Thank you Embrace for being there:)
5

out of 5

POSTED: | BY: Sharon

Best Insurance EVER!!!

When my cat suffered an injury to her tail area, Embrace came through for us once again. Embrace has been the best thing I could have done to take responsible care of my furry friend. A few stiches and a few weeks later my cat was on the road to recovery! Embrace processed my claim quickly once they had all the necessary paperwork. They are always professional and yet so very compassionate, they understand it is enough for you to be worried about your pet so they have your back to help you get through the claim process with no worries. Embrace really is the best insurance coverage to have for all your pets so you just need to sign up for it right away. You'll be glad you did!The only reason it took a little longer than usual to process my claim this time was because it took a little longer for the paperwork to get to 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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