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: Jessica

So thankful we chose this option for our boy!

I had been considering pet insurance for a couple years but after browsing online had never really found a plan that looked like it would be worth it to get. After a conversation with a friend who raved about having insurance for her dog after a serious of injuries and illnesses, I decided to look into it again. My handsome dog was not getting any younger after all. I wanted a plan that would cover us under worst case scenarios. Embrace allowed us to set out insurance plan up exactly as we wanted it. You get insurance hoping you'll never have to use it. Unfortunately this year, use it we did. Several months ago they found a lump in my dog's anal sac that turned out to be cancer. We were (and still are) devastated. The insurance gave us the peace of mind to seek more than one opinion on how to move forward with his care. The insurance allowed us to make the best decisions possible for our dog, without having to worry about costs. His cancer appeared about half way through the first year of our policy (although it took several months to determine it was cancer). In August he was given weeks to months to live based on the significant spread. As of December we have used about $7,000 of the $10,000 coverage we purchased and I just received a renewal letter for our coverage in January. I worried they might not renew his policy given his condition, but was happy to see they did. My dog was a relatively healthy dog for this first 7-8 years of his life - no major issues. And then one day, he wasn't, and I have been so thankful that we made the choice to go with an Embrace pet insurance policy! My dog was a relatively healthy dog for the first 7-8 years of his life-no major issues.
5

out of 5

POSTED: | BY: Janet

Embrace is the Best!

I have had Embrace Pet Insurance for about 8 years. They are the best and provide amazing service and coverage. I have never had any problems with any claims. You can go to the vet of your choice and there is not benefit schedule which is very important. You can customize your plan as well. I feels good having peace of mind knowing that there is coverage for your pet.
5

out of 5

POSTED: | BY: Carole

great in all ways

First time I have had pet insurance and working with Embrace was great. Submitted 1 year of claims(6 total)and received payment within 2 weeks and no hassel. Friend and thorough
5

out of 5

POSTED: | BY: Kim

Embrace was there for me and my pug, Cassie

My pug, Cassie has been pretty healthy until one day she was very ill and had a high fever. It took quite a few tests and days at the vet to figure it all out. I worried about Cassie but didn't worry about what it was going to cost because I knew I was in good hands with Embrace! I was reimbursed and will always have insurance with Embrace! Thank you!
5

out of 5

POSTED: | BY: Phil

Excellent company- I highly recommed

Bailey and I had a difficult and expensive year last year. She was misdiagnosed with Addison's disease, which led to several expensive treatments and specialists. She is now doing fine (no Addison's), but I was worried that Embrace might raise our premium, or drop us altogether. They didn't. Embrace covered everything with no hassle at all. We are customers for life.

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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