Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: patricia

my dogs took the mince pie

who knew that mince pie was poisonous, not my dogs for sure. $1600. later at the emergency vet s. IV fluids, overnight stay , lab work etc,etc,I had the check less than a week later from Embrace Ins, they are the best .asked how my dogs were etc. customer service ,,,the BEST
5

out of 5

POSTED: | BY: Chelsea

Ethical and Caring company

Charley has had an endless amount of health problems. I wasn't sure if having insurance would help since he has so many pre-existing conditions. But he recently had an accident and needed an x-ray. Because of the accident, the vet discovered some other issues. It's been finally diagnosed as Cushing's Disease, which has constant follow up tests and medication required for life. It has all been covered with no hassle and saved me and will save me a lot of money. They also have great customer service and online tools. My only recommendation would be to have an app for members to be able to easily log into from their phones to submit and view claims and see account information. Thanks to embrace for being helpful and happy to pay out claims with no push back. Good and ethical company that I trust.
5

out of 5

POSTED: | BY: Mindy

Glad we had Embrace!

When we first got our new puppy a few years ago, we decided to get Embrace for both the new puppy and our other dog. So, when our Peanut, a 9 year old Golden Retriever/Chocolate Lab mix was diagnosed with a foreign body obstruction and needed to have emergency surgery that included a hefty bill that we weren't expecting, we were thankful to have this pet insurance. Embrace was very easy to work with and friendly. The claim process was quick and it saved me bundles! Since then we have recommended them to all of our friends with pets!
5

out of 5

POSTED: | BY: Cindy

Embrace Pet Insurance is the best!

We hesitated in obtaining pet insurance for our 1 year old cat. However we spent a lot of money with prior cats as they got older. Unbeknown to us our cat would develop IBD and require blood tests and scans to determine her illness and get her back on the road to recovery. She just had another major flare up...cannot say enough good about Embrace ~ they are there when you need them most. Very prompt service as well.
5

out of 5

POSTED: | BY: Clarence

Quick Payment and No Questions Asked

Our baby girl Sheena started having seizures and we took her to Univ. of TN Vet Hospital for a MRI and Spinal Tap to find the problem. Embrace paid over $1700.00 for these procedures within 10 days. Never had Pet Insurance before but I am a believer now.

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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