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: Rachel

Definitely the most beneficial

Embrace has been great. I did quite a bit of research hunting down the best insurance I could get for my dog. Her plan started when she was a puppy. The rate is affordable for my budget, they respond and handle claims quickly, and they're actually pleasant to talk to on the phone. I typically spend $150- $250 for each office visit she has. Standard stuff so far, thank goodness she's still a healthy pup! I always receive my claim in the mail within a week, so I don't take much of a hit to my wallet. If I didn't have embrace, this little girl would be costing me more than she already does! Other companies I looked in to, didn't offer great benefits for a price point that fit my budget and the out of pocket for things they wouldn't cover was out of control. I would absolutely recommend Embrace to anyone who cares about their pets and not breaking the bank.
5

out of 5

POSTED: | BY: Claudia Ionescu

Very Happy with Embrace

I've had all of my 4 kitties covered by Embrace, for over 6 years now. I am very happy I did it : their prices are reasonable, benefits /exclusions clearly explained. Their staff is always knowledgeable whenever I had questions. Claims submission its easy, processing is quick , same for the payments. They really made my life easier during difficult times.
5

out of 5

POSTED: | BY: Danielle Green

Embrace is quick and reliable.

Embrace is quick and reliable. Our Lab has had several necessary trips to the vet this year and I'm so thankful we have Embrace. It has helped with the bills and the staff is very helpful.
5

out of 5

POSTED: | BY: ARochester

Guardian Angels

Pancho Villa has developed several conditions in his short eight years. His vet bills have been enormous. After his last battery of tests a few days ago, the vet has determined that more costly medications are required as well as more monitoring. Fortunately, Pancho has a Guardian Angel in Laura Bennett and her Embrace Pet Insurance. All of Pancho's visits to the vet and all of his prescription medications have been covered. Additionally, each claim has been settled promptly without a lot of negative dialogue. From the first day, I have maintained the feeling that Laura genuinely cares about animals, especially my dog for whom she is a guardian angel.
5

out of 5

POSTED: | BY: Susan

Thank goodness for Embrace!

Bella has had some really bad luck lately! A stroke 3 months ago, which made her lose all sensation in right rear leg. With time, rehab and acupuncture, she is walking again! Then, she came down with a growth/mass on that same paw, which they thought was cancer. It was surgically removed and it is not!! But, she had an allergic reaction to the stitches so it isn't healing well! My poor girl had a bad 2016! Thank goodness we have Embrace!! I haven't had to worry at all about coverage or what's in store for the future for this to heal! Thank you Embrace for being there:)

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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