Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Barry

Excellent coverage for my new born pup!

Well, we got a puppy and our vet suggested we get insurance. In thought it was a good idea but I had no idea how it worked. I read reviews, created spreadsheets and picked Embrace hoping I would never need it. 1 month after getting Embrace, my puppy needed a surgery for a urinary issue. The same year, she developed a mass under the skin and needed another surgery. My dog is now 1.5 years old, had 2 procedures and doing fine. BOTH PROCEDURES WERE FULLY COVERED AND EMBRACE OVER $1500 WITHOUT QUESTION AND QUICKLY! I'm so glad I picked Embrace! thank you so much and you truly do deliver great coverage!
5

out of 5

POSTED: | BY: Claudia

Great service

I have had Embrace for over 5 years for all of my 4 kitties. Embrace has been wonderful in handling all the claims : quick and easy . Truly making a difference. Highly recommended to all pet parents.
5

out of 5

POSTED: | BY: Donna

Thank Goodness for Embrace, Life Saver

Our dog tore his ACL and Meniscus. We had to have surgery to correct the problem. Embrace was wonderful in answering all my questions and concerns about the claim process. Our fur baby had his surgery on 11/9/16, we submitted the claim on 11/14/16 and our claim was completed on 11/21/16. Payment is on the way. It was fast and easy. We thank goodness everyday that we purchased insurance for our two dogs. We also purchased the Wellness coverage. Highly recommend this. It covers required immunizations, etc.
5

out of 5

POSTED: | BY: Ieisha

Amazing Company

Embrace Pet Insurance was recommended to me by a friend. Trusting their judgment, I went with Embrace and I could not be more pleased that I did. We rescued a kitten from an animal sanctuary and had him checked out and started our insurance policy with Embrace. A few months later, our kitten started to show signs of weight loss, loss of apatite and was very lethargic. We took him to our vet only to have him diagnosed with FIP and instructed to have him euthanized. We followed the Vet's advice and later filed the claim with Embrace and they could not have been more helpful and understanding during this difficult time. We are very touched by their compassion and careful handling of our loss and the subsequent claim. Thank you!
5

out of 5

POSTED: | BY: Matt

Paid claims after only having policy for 2 months

Had the policy for 2 months and they paid the claims over 7K$. She passed away so its not like they will get any more premiums out of me, but I will sign the other 2 cats up.

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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