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: Angie Salisbury

Very happy so far!

When we got our puppy we made the decision to get her insurance coverage, including wellness coverage. So while she is young and does not have any major issues (knock on wood!), I just submitted her check-up and the process is super simple, fast, and my claim was reviewed and approved quickly. Anyone I have dealt with is friendly. I happen to prefer electronic communication and even that has seemed very personal and friendly.
5

out of 5

POSTED: | BY: Amy Matthieu

Great service

My 6-year-old Bernese Mountain Dog had a mass on her spleen. She had to have her spleen removed, along with a liver biopsy and gastropexy. We weren't expecting the surgery to happen on the day that it did, but we were able to call Embrace and get a pre-authorization pushed through quickly. During the surgery, the surgeon found another mass that needed to be removed. He sent all three tissues for biopsies, and they all came back benign. Thankfully we had Embrace to help us cover these costs. Now we never again have to worry about Ruby developing a splenic mass!
5

out of 5

POSTED: | BY: Arthur Muldowney

Glad that I purchased it!

I have a great Chocolate lab, and I had the Embrace policy for 7 years without filing a claim. This year, however, My guy has had a rough time with laryngeal paralysis. Embrace has covered a good part of the medical care that has been required, and our lab has shown a good deal of improvement.I would highly recommend both pet insurance and embrace for all dog "parents".
5

out of 5

POSTED: | BY: Dolores Miller

Thank you.

My cat had surgery to remove a foreign body. My claim was substantial and Embrace covered it immediately. I also appreciate the ongoing communication from Embrace about the status of the claim.
5

out of 5

POSTED: | BY: Lawrence Haber

Great Insurance For my Beautiful Girl; Tammie

I was referred to Embrace by my Friend and Veterinary Specialist Dr Keith Richter of Specialty Animal Hospital in San Diego. This insurance company is great and so far has processed my claims promptly and in expectations were met with great attitude.
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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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