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: Sandy Swanek

What a relief to have help with my Three cats!

After an emergency trip into the animal hospital with one of my cats, I found myself frightened about the reality of the possibilities that the expense of three cats which I love so much could leave me broke or possibly have their life end because I couldn't afford their care! I called my granddaughter who is a Vet Tech while I was in the animal hospital waiting to hear what was wrong and she said, "grandma you really should get pet insurance", and then told me about Embrace Pet Insurance, and I signed up my three cats and as a result I was able to get their teeth examined and cleaned and one of them had been suffering with a fractured tooth and needed to be extracted! Had I not had Embrace to back me up, my poor cat would had gone on suffering without my knowing! Embrace helps me to be a greater pet owner and gives me peace of mind to know if need be in the event of what happened to my cat prior to Embrace, I could make the trip with.more confidence! Thank you Embrace for even more than what I've shared😀
5

out of 5

POSTED: | BY: Chris Fowler

Relief!

Recently, our 6 year old boy was diagnosed with hip dysplasia and we were absolutely SHOCKED. We started noticing a "bunny hop" and some hesitation when playing ball so we decided to go for XRAYS. Our local vet had "never seen anything like it" and said it was so bad he wasn't sure if anything could be done. You can imagine the sheer panic. We moved forward with an appointment to get a second opinion and to our relief, the second opinion vet believes he can be fixed. We have an appointment with a surgeon to confirm and to also schedule what we believe to be a double rear total hip replacement. We submitted the claim for the first XRAY visit and were told by Embrace that all future specialist visits and anything related to this diagnosis would be covered. After being through so much already, it was such a relief that we can move forward with getting our boy the treatment and care he deserves. Thank you to the Embrace team for your support both now and in the future!
1

out of 5

POSTED: | BY: Roger huffine

Very disappointed!

Very disappointed always some reason to turn down or put on hold claim example can't read not enough info
5

out of 5

POSTED: | BY: Helen Miles

I am very happy with the way my claim was handled

I just want to say thank you to embrace for helping with my claim
5

out of 5

POSTED: | BY: Mary Michlik

Embrace is reliable

I compared all of the pet insurance options I could find online and also those provided by my vet. Our family chose embrace because it was a very thorough coverage for our two dogs and the price, although not cheap, was fair. In our first year of being insured each of our dogs ended up hospitalized. One for gastrointestinal issues and the other had a torn CCL. Embrace was not only true to their coverage, but it was provided in a timely way with excellent customer service. We would have had a much harder time deciding on the quality of care we provided our beloved furry ones if we did not have the support of Embrace to help us through the hardship of sickness and vet bills.

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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