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: Robert T.

Allergy Testing

Our 1.5 yr old Golden Retriever Beau has terrible allergies, and our vet was struggling to control them with steroids and medications. We were referred to a veterinary dermatologist who wanted to do allergy testing, and put him on immunotherapy for his allergies. This is the best and healthiest treatment for these allergies, but it is costly. Fortunately the testing and treatment is covered by our Embrace policy.It is such a relief to be able to give Beau the best treatment without worrying that it will break the bank.
5

out of 5

POSTED: | BY: M Rovner

Best pet insurance company ever

I have used other pet insurance companies in the past and no other company is better than Embrace. I have used them for the last eight years and they have always been fair, responsive and quick to respond. Both my daughters also use Embrace for their dogs and they are happy as well with their coverage and support. I wish the medical insurance company at my work was as good.
5

out of 5

POSTED: | BY: Johanna Hayes

Lump

My dog Shelby had a lump on her front leg and I was worried that she might have cancel so took her in for Xrays and bloodwork to see what the problem was. Thank goodness no cancer.
5

out of 5

POSTED: | BY: Shih-fen Chow

Embraces delivers

My dog required radiation therapy for hiw ankle due to tumor. The way to pay the radiation facility is not pay per visit but prepay in 2 installments after initial payment for evaluation. Embrace called the facility to verify and promptly covered my expense appropriate. I am very grateful since the treatments are very expensive. Thank you.
5

out of 5

POSTED: | BY: Ed Holiday

Great response from Embrace

Our 2 year old cat somehow managed to swallow a needle and thread! Emergency vet surgery was a complete success and he is doing beautifully as far as we and the vet can tell. Embrace never hesitated and we could not be happier with regard to the entire process and coverage.
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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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