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: DG Kilcher

GREATFUL THAT YOU ARE THERE

I am so fortunate that we chose EMBRACE for our pet insurance for Shasta as you process all claims and never request additional medical documentation. Our Vet agrees that you are the easiest and most prompt insurance co. available and recommends your services to all of their clients.
5

out of 5

POSTED: | BY: Marty

Thank you so much for being there for me

After having my dog insured at another pet insurance company for first 10 years of her life I decided to cancel their insurance due to increasing annual premium and not have insurance for my dog. I did this for one year then I decided to find an insurance for my dog again due to her age nearing 12 years and health issues that will follow naturally due to her age. I found Pet Embrace insurance from online from favorable review and premium was one of the lowest out there for the coverage amount. Within three months of having Pet Embrace Insurance my dog got diagnosed with sheath nerve tumor on the nerve of her brain. She went through many diagnostics to find the cause...full blood work, x-ray scan, but ultimately MRI found the culprit. It was not cheap for diagnoses I mentioned. I had zero issue with the claim and it was paid out rapidly. Pet Embrace staffs were very friendly and genuinely concerned with my dog's wellbeing. Next step for my dog is radiation treatment if I decide to go that route and Pet Embrace has already told me that radiation treatment will be covered and they are there to support me whatever decision I take from now. It's great to know Pet Embrace Insurance is behind me and knowing that they will insure me on expensive radiation therapy is a huge relief. I can’t thank them enough for what they have done for me so far and full support they will give as I evaluate what is best for my dear family member. Thank you so much Pet Embrace Insurance from bottom of my heart!
5

out of 5

POSTED: | BY: Cindy

So grateful for Embrace!

Embrace has always been quick to respond and paid claims promptly. I read about them in Ingrid King's Conscious Cat Facebook column and she was exactly right. They're the best, and so worth the peace of mind. The only thing worse than being told your beloved companion needs a $2000 bladder operation and then a $2700 urinary operation 3 months later would have been not having Embrace Pet Insurance. Who has that money readily available? Not us.
5

out of 5

POSTED: | BY: Kate Coolidge

Excellent Company

I have 6 dogs and 1 cat...Embrace is not only EXTREMELY reasonable in terms of premiums, but have always been quick to pay claims and the customer service I've experienced on every call has been outstanding. I am a customer for life!!
5

out of 5

POSTED: | BY: Scott Dearduff

Tenacious Follow Through

This claim process seemed to be filled with roadblocks. However, Laura and the others who worked the case were patient with us, helped work through the roadblocks, and eventually completed it. We appreciate the continued effort to make this right.

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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