Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Pamela H.

Pneumonia

I'm so thankful that we didn't have to think twice when the estimate from the hospital was over $3,000 for two nights in the hospital when our Snowflake had pneumonia. I don't know what we would do without Embrace! Thank you!
5

out of 5

POSTED: | BY: Patrice

Peace of mind in DC

Our 11-year-old Maltese/Bichon/Poodle of relatively excellent health was diagnosed with adenocarcinoma during a routine vet visit. In a matter of three weeks, he was X-rayed, MRI'd, sedated, biopsied, had surgery, and then a wicked recovery. He bounced back immediately and was none the wiser that anything was wrong. We bounced back quickly too thanks to the quick responses from Embrace letting us know his care was covered. Grateful.
5

out of 5

POSTED: | BY: Sheryl Mundale

Very compassionate, but professional

I've been with embrace for a less than a year. Overall I'm pleased. They are very thorough, almost to a fault. This most recent claim, took a week to process. I have another claim from 1-2017, that I'm still trying to get resolved. This is where I say they're very thorough. I've never had pet insurance before. My other Great Dane was 6.5 when he died, he had a terminal intestinal disease. When he was first diagnosed at age 3, the vet gave him a year to live. We were very lucky to have him for another 3.5 years. I don't regret 1 penny, but we spent thousands of dollars. I knew that when we got another dog, I would get the pet insurance. If we didn't need it, than great.
5

out of 5

POSTED: | BY: Jacqueline &

Embrace your pets!

We've had embrace for our Labrador Retriever Dante for three years now. He had a partial knee ligament tear and was receiving acupuncture treatments for about a year until it became too aggravated and had to have knee surgery. Embrace covered 80% of the treatments and the surgery. All claims have been approved and paid rather quickly. We are very glad we made the decision to insure our fur baby early on.
5

out of 5

POSTED: | BY: Nancy

Great service

After losing a young Doodle to sudden massive liver failure, left with nothing but a huge bill to pay, we decided to sign up with Embrace when we got our next Doodle. We have not regretted it once. Embrace has always processed our claims quickly and fairly, and we have great peace of mind knowing that in the unfortunate event we are left with huge vet bills, we won't have to cover them on our own. Thank you 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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