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: Gladys

Excellent customer service

We received the worst news possible about our beloved boy who, after a vet visit, ED visit and several tests, had an inoperable tumor and we had to put him down. Embrace was compassionate and responsive throughout the very difficult time.
5

out of 5

POSTED: | BY: Christa

THANK YOU!

Had them 3 years ago and now. It is definitely worth having. Helps me be able to take care of my girl. Thank you!
5

out of 5

POSTED: | BY: Richelle

Expeditious & Reassured

Wellness claim was processed quickly and customer service was very helpful during the processing of my first claim online. I feel reassured there will be no worries satisfying future costs related to their annual exams, flea/heartworm medicine etc. in order to keep them healthy for years to come.
4

out of 5

POSTED: | BY: Jon Lageman

Very Happy so far

We left PetPlan a few years back because of the premiums and unexplainable increases and joined Embrace. Recently, we found out that our Rottweiler Roxie contracted Osteosarcoma, an aggressive form of cancer. As a result, she has had to see many specialists for x-rays, biopsies, and ultimately an amputation of her rear leg. Chemotherapy is soon to follow. Without having Embrace, we likely would not have been able to afford to give her the professional care she requires. Reimbursements have been made after a small glitch in mailing address. I am confident that the rest of her treatments will be treated the same by Embrace. Ultimately, they do what you pay them for which is rare these days. When people ask why we have insurance on our dogs, I just tell them that "I am paying for the luxury of being able to make a potentially difficult decision more easy down the line." That is exactly how it has worked out and I'm very pleased with my decision to have pet insurance and with my choice to switch to Embrace.
5

out of 5

POSTED: | BY: Mimi

Sundance Thanks you!

Our nearly 1 1/2 year old German Shepherd, in his exuberance for everything, injured his leg. We were concerned it could be a tear, so we took him to see his Vet. After an exam and x-rays, it was determined to be a strain and not a tear, thank goodness, and Embrace was there to help us with the bill. We are greatful for the quick response.
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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 detail
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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