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: Nicole

Good coverage, quick reimbursement

Very happy with my coverage with Embrace. I've had coverage with Trupanion as well, and consider Embrace's coverage to be very comprehensive and clear. I appreciate the reasonable reimbursement time (before my credit card bill is due!), the ability to choose my deductible and my amount of coverage, and the great customer service I've had. I also chose Embrace because they cover so many things, including breed specific genetic and hereditary diseases, the exam fees, alterative medicine, etc. Very pleased with Embrace!
5

out of 5

POSTED: | BY: Susan Cortilet

Best Pet Insurance

We have a dog breed that is active and high drive; also accident prone. we did not have insurance with our previous dog of the same breed and he developed an injury that led to major surgery. Besides the pain of losing him prematurely, we ended up spending a fortune in emergency surgical and aftercare costs. It was like a punch in the gut! We felt irresponsible for not considering insurance for our pet and in fact spent more in healthcare costs for "Iggy" then our own combined costs for ourselves. Also, the reps are really helpful and willing to work with us on billing issues.
5

out of 5

POSTED: | BY: Kimberly Meckes

Embrace your pet(s) right now!

I have never used pet insurance before and I've owned many many animals. I am so grateful my vet whom is also my friend strongly suggested I get insurance for my two golden retriever puppies. My one puppy has been suffering from panosteitis and when we outgrew that he was diagnosed with elbow dysplasia in both elbows! He's recovering from his final surgery. I could not be happier with this insurance and what's even more impressive is how kind and compassionate the staff is. I can't say enough about how amazing they are. I recommend them to everyone I know.
5

out of 5

POSTED: | BY: Melinda White

Thank Heavens Embrace is Honest and Fast

Thank you. aways Great! Quick service and you cover the claims like you say you will. I love working with this company! My Blossom needs extra help sometimes and it is a relief to know you are there!!! Last month I thought swallowed something and required emergency xrays - you payed exactly what you said you'd pay,no questions asked.
5

out of 5

POSTED: | BY: Susan

Happy dog again

My Siberian Husky had a torn ACL and required very expensive surgery to fix it. My daughter and I scraped money together to pay the cost of the surgery up front even as we sought pre-certification for the surgery. Embrace reimbursed us for most the cost of the surgery within two weeks of Cassady's surgery. They also reimbursed fully the cost of extra x-rays and medicine required. Prior to that, the same Husky had a serious infection in one of her toes, and again, Embrace reimbursed us for the cost of her care. I am really glad to have learned of this company and I appreciate it more than words can say.
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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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