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: David Thomas

Great service

Thank you. I can not say enough about your timeless in handling our claims. Our guy Morrie is having serious issues with his heart. You have been there every step of the way with your reimbursements. I can not thank you enough. As we are in his final days it is nice to know you are there. We have talked much about your handling of our claims to the Vets as well as friends. Again Thank you for your service.
5

out of 5

POSTED: | BY: Vera Kierme

very satisfied

I want to thank all EMBRACE people involved on these claims for my baby, She has endured a difficult (3) visits to her vet, but it made me comfortable knowing that I had EMBRACE to back us up. I am very satisfied with response received in a timely matter, very grateful .
5

out of 5

POSTED: | BY: Marsha Wallace

Forever grateful

All I can say is thank goodness for Embrace. When my heretofore healthy English cocker spaniel turned 9,all manner of things started to occur. From dry eyes and skin lesions,to a recurrent urinary tract infection and then to a long bout of neck pain that didn't respond to acupuncture, PT, rest and medication. We finally had to see a neurologist ,get an MRI and have disc surgery . Just the latter cost over $6000. But each step along the way, I know I can give my dog whatever care she needs because Embrace is there to ease the financial burden.This is blessing especially since I am a senior on a fixed incomeWhat's especially nice about Embrace is that you cannot reach a limit of coverage based on a diagnosis. You coverage is limited by an amount spent. Thank you to the team at Embrace,who always provide prompt and courteous customer service.
5

out of 5

POSTED: | BY: H.B.

Fair and Honest Pet Insurance

First Claim: Even though all of our claims were not covered due to pre-existing condition, Embrace fairly evaluated the claims and covered everything they could. We were pleasantly surprised.
5

out of 5

POSTED: | BY: Jenna

I recommend them to every pet owner i know

These guys have been so great to work with. I have a yellow lab that I adopted 1.5 yr ago. Since then he's been to the vet for dozens of different things. Embrace makes the process so smooth an easy to submit a claim. A reimbursement check was lost in the mail and they didn't question it. They sent me a new. I appreciate the professionalism and outstanding customer service theyve provided. I have and will recommend them to every pet owner I know.

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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