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: Ally

Couldn't have done it without Embrace!

I have submitted multiple claims in reference to my Great Dane puppy who had been sick since we got her. While pre-existing conditions are not covered they still made a huge impact by reimbursing everything that they could. Including prescription food and medications! I'm really glad I customized my plan with embrace!
5

out of 5

POSTED: | BY: Rebecca

EMBRACE covered me!

I've had times where insurance were "unable" to cover certain medical expenses. EMBRACE's staff were friendly and on top of everything I needed to get done. They refunded our vet bill and Bentley (my SH Chihuahua) is happy and healthy!
5

out of 5

POSTED: | BY: Carol

10 out of 10

I am so happy I decided to take out pet insurance for my 3 dogs. My first choice was Embrace! Recently our Boxer had surgery to repair a torn cruciate and is now doing rehab, I would never been able to give her the care she needed without Embrace And the Wellness rider is great, it covers vaccinations to flea meds. and heartworm preventative. Thanks to all the staff and vets at Embrace for all of your gray Care and customer service.
5

out of 5

POSTED: | BY: Vivian

Outstanding Pet Insurance

Urie started with vomiting, diarrhea and became extremely lethargic within 2 days. She spent 2 days at our vet's (Peticote Veterinary) and then 2 more days at Northstar Emergency Hospital. Urie had multiple blood work, lab work, x-rays, ultrasounds, endoscopy, etc., and received the best possible care. KUDOS to Peticote and Northstar for their diligence in getting Urie back to excellent health. And yes, KUDOS to Embrace Pet Insurance Company! It is so comforting and gives me such great peace of mind in dealing with all veterinary decisions. I've been with Embrace for 2+ years and I'm so grateful for their excellent service and professionalism. It was the best decision I made in selecting Embrace over 5 other companies indeed!
2

out of 5

POSTED: | BY: Wayne

Premium Increases

Never had to make a claim yet. However be warned each year rate increases exceed 10%. Ask for proof of costs rising to determine justification they refused. Imagine cost of policy in 5 years. Our wellness plan through Banfield has never increased.
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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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