Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Vicki Morris

EXCELLENT CUSTOMER SERVICE!!!

We have been delighted with the exceptional, efficient and speedy attention we have consistently received from Embrace Pet Insurance. They are not only professional in their handling of our matters, they are always available to answer specific questions, should they arise. I would HIGHLY recommend their company to those who are in the market of comparative shopping for pet insurance. A++
5

out of 5

POSTED: | BY: Debra

Excellent

Our puppy broke a toe and required X-rays and multiple vet visits. We couldn't be happier with how the claims were handled. Embrace took care of things professionally and quickly. Highly recommend them.
5

out of 5

POSTED: | BY: Kat Wilson

Thank you

Pet insurance is a safe place for all families with pets. We insure our children why not our pets. They are just like our family. Thank you 😊
5

out of 5

POSTED: | BY: Susan Chambers

Every pet owner should have EMBRACE coverage!!

I can't tell you how many people I have recommended EMBRACE Pet Insurance to. I dog sit for a living, have worked at vets a big part of life and owned over 20 dogs. I now do not work for a vet and have moved to a new area so pay what everyone else does.. ouch! We decided to get pet insurance last year and I did exhausting comparisons. I chose EMBRACE because you can choose your deductible and coverage levels which impacts your monthly coverage. Other than that, the only real factor on price is your pets age. We recently had our sweet golden diagnosed with two brain tumors and traveled to UC Davis, California from Washington State for advanced radiation treatment, the only treatment available for this. It was expensive. Of course we had the stay at a local hotel and travel expenses, but the peace of mind EMBRACE gave me because they had already pre-certified the procedure is beyond what words can describe. I chatted with so many people in the waiting area whose pets were getting treatment that had no pet insurance.. well, they are going to look in to EMBRACE now! It is also comforting to know EMBRACE covers holistic/acupuncture treatments we also had done for our girl, the multiple consultations we had to do to find the best treatment path and will also cover hospice care and humane euthanasia at our home when the time comes (our last golden passed from a different cancer in September) and EMBRACE covered the at home euthanasia. (deductible had been met) she was able to pass calmly away at home in her own bed with her human and doggy family at her side. They sent us a sympathy card, made a donation in her name to a hospital that helps rescues and had a virtual candle lit for her. It just doesn't get any better than this folks. Pick the coverage you can afford, in our case it was for a major illness or injury (so a high deductible) and was one of the best decisions I have ever made in my life. The year before we had decided to get pet insurance we spent well over $10,000 trying to save two of our dogs, who both passed away no matter how hard we tried. we were left with broken hearts and big credit card bills. THANK YOU EMBRACE, I am more than happy to spread the word of your fairness and how you have helped us thru some very difficult times. I feel confident our relationship will continue as long as I am fortunate enough to have a fur-child by my side. I almost feel I should have some of your business cards to hand out at this point, I could sure use them.
5

out of 5

POSTED: | BY: Richard Gray

Outstanding Pet Health Insurance

I switched to Embrace when I got a new dog (rescued a Lab) 3 years ago. There has been a qualitative and pleasant upgrade in the customer service and breadth of coverage from my previous experiences.

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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