Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Carlie

Thank God for Embrace!

Our dog started vomiting and having blood in her poop. We had several trips to the vet and some over night stays. We were eventually sent to specialist. There were so many test done and changes in foods. It was a very stressful time. It started early February and lasted into March. It turned out to be Inflammatory bowel disease. Owning a Lab, we got the insurance because we figured she would eat something or get bad hips, never did we expect this at 2 1/2 years old! Embrace was so easy to deal with. We were able to get pre certified for the visit at the Animal Specialist which was costly and that made getting the money back easy quick. Everyone was so helpful and nice. We have the wellness plan as well, and it looks like we will use every bit of it each year with this new condition...and to think we thought about canceling the insurance this year! Thank Goodness we didn't! Peter is awesome!!
5

out of 5

POSTED: | BY: Luisa

So thankful for Embrace

Earlier this year my 8 year old 'middle' dog, a mixed breed from the local shelter, was diagnosed with cancer (lymphoma). Much heartbreak behind those words, and no way of knowing just how much time he has left -- but he's alive today and enjoying great quality of life thanks to an excellent team of veterinary oncologists, and of course thanks to Embrace. Advanced treatment (surgery and chemotherapy) would have been out of the question without Embrace Insurance. They've been there for us every step of the way: prompt, efficient, and understanding. Because of Embrace, my dog is enjoying life, and I'm so grateful that he's had more time to relish treats, zoomies, and big barks at passers-by. I recommend Embrace Insurance to everyone. Thanks, Embrace!!
4

out of 5

POSTED: | BY: Judith McPherson

reimbursement is very quickly sent!!

Vet bills are like having an uninsured child to pay medical bills for treatmen Embrace has been such a help when Bogie has a lot of needed care. The checks are quickly sent sent to us after we have filed claims. Thanks for good service.
5

out of 5

POSTED: | BY: Daphne Mitchell

Great service and coverage from Embrace

Both our dog and cat are covered by Embrace pet insurance. After very disappointing coverage from another company we are very pleased with the coverage for our pet family! Our dog's specialist's bills are taken care of, as well as incidents as they occur. We cannot say enough about the high quality of service from the Embrace team. We highly recommend Embrace to anyone with pets.
5

out of 5

POSTED: | BY: Lonny Smith

Quick reimbursement on claims

I am grateful to the Embrace staff for quick reimbutsement of my two veterinary claims in the last three months. I was reimbursed over $11K for two dogs requiring surgical intervention. I don't know what I would have done without 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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