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: Howard Morell

Little Bit Thanks you " A Lot"

What a scare we had on such a happy and joyous occasion. On Christmas Eve day, our cat, Little Bit, ate a good portion of a Lily, which is very toxic. I took Little Bit to the Vet Hospital, where he stayed for a full week, receiving treatment to minimize and reverse the toxicity levels in his body. Just like a child, we visited Little Bit in the hospital every day, including Christmas Day. This was a stressful incident in the middle of what can be a stressful season. Fortunately for my wife and me, there was nothing stressful about our contacts with Pet Embrace. Everyone with whom we had contact treated us not only with respect and dignity, but also a genuine concern for our situation and for Little Bit. A special Thank you to Ann E. Killea, our personal Customer Care Embracer. Ann regularly checked in to see how Little Bit was doing, and she was instrumental in getting the proper information to us to complete our Claims. We were fortunate that we made the decision to purchase Insurance for our pet, but we were even more fortunate that we chose Pet Embrace. I would recommend Pet Embrace in a heartbeat. Thank you so much for your care and assistance. Sincerely, Howard Morell Suzanne Carlucci & Little Bit
5

out of 5

POSTED: | BY: Ashley

Allergies - English Bulldog

Best investment I made when I got my english bulldog puppy. He developed severe allergies at 2 years old and after allergy testing and a couple of months of vet visits we found out he is highly allergic to dust. Now he is on Expensive allergy meds which work get. This would have been 1000s of dollars out of pocket but it is all covered with Embrace, even his monthly allergy prescriptions!
5

out of 5

POSTED: | BY: Kenny Mattox

Awesome

Thank God I did my homework, u guys are the best out there!!!!
5

out of 5

POSTED: | BY: Mary McCulley

Benefit Well Worth It

We will never own another pet without insurance. Hard lesson learned after we had one that cost us $400 a month for her special needs. We bought nsurance from Embrace for our 2 adopted dogs. They have been a true blessing for us. One had cancer in her hind leg and then a ruptured disk which required a neurosurgeon. They pretty much covered 80 percent after our yearly deductible. Without them these surgeries would have truly put us in debt and may even have caused us to put her down. She is getting stronger by the day and brings us much happiness. Thank you Embrace for making her surgeries possible. .
5

out of 5

POSTED: | BY: Mo

They are true to their word.

My little love bug of a doggy was diagnosed with Pyometra and had to have same day emergency surgery. It was an unexpected expense and minus my deductible, they literally paid the full percentage of the total bill they said they would. I was pleased :) She had never fallen ill and I was making a decision to drop the plan the following month. I will definitely be keeping it!

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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