Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,347

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: Richard Breen

Wellness Insurance

I take my dog annually for a wellness checkup and to get his shots. It's nice to know this insurance covers those expenses as his annual checkup with shots cost between $400 and $600. I have recommended Embrace to many a pet owner.
5

out of 5

POSTED: | BY: Nora Unkel

Amazing experience with Embrace!

Really appreciated the quick and thorough work from every Embrace staff member that I spoke with and dealt with. After such a painful process of my dog having an emergency, Embrace made the insurance end a complete breeze. Thank you and I would recommend Embrace to every pet owner that I know!
5

out of 5

POSTED: | BY: Melisa

Excellent Customer Service

My baby had a malignant tumor on her toe and the whole toe had to be amputated. I was so grateful that Embrace was there to help me pay for the surgery. My vet submitted the claims and with no questions asked I received reimbursement within a couple of weeks. It made the whole experience so much better that I didn't have to worry about how I was going to pay for the unexpected costs!
5

out of 5

POSTED: | BY: Denise Matthews

Embrace made claim process easy.

Claim was for 12/10/16 and 12/12/16. Embrace made the process easy. All questions and talking with Embrace representatives were pleasant. Extremely satisfied with answers and making sure I understood what was needed to facilitate claim. Glad I have the insurance.
5

out of 5

POSTED: | BY: James Andretta

Surgery to remove cancer

Right before Christmas this year, our beloved dog Jack began bleeding internally. We had to take him to an emergency facility where they removed a 3 pound mass, which contained cancerous material. He was overnight at the hospital receiving treatment for several days. The bill was approximately $5000, and Embrace covered it all with no hassles, no red tape, and no fine print. I would also like to note that I received checks promptly and in full. I cannot thank Embrace enough, as we would not have been able to afford saving Jack's life. Thank you Embrace! I will certainly refer you to others! All the best, James Andretta and family

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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