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: Amy Cohen

sick kitty

Did a great job processing my claim quickly and provided the anticipated coverage. thank you!
5

out of 5

POSTED: | BY: Leesa

Great Pet Insurance

Have had many dogs over the years and never thought about pet insurance until I got my first GSD puppy Max. Not only is he covered for health but for Wellness exams too. He will be three at the end of this month and doing very well with only claims for the Wellness visits. Recently he had a growth removed from his right hind paw. I was able to send the preliminary costs to Embrace for review and approval of coverage before the surgery. Max is doing great and I love the fact that I can fax in the claims, get an email that it was received and then an email when the claim was paid and deposited to my back account. With such a special dog I can't image not having this coverage for Max.
5

out of 5

POSTED: | BY: Natalie

I love Embrace!

Recently, my dog was diagnosed with elbow dysplasia and needed surgery to remove fairly large bone fragments in both elbows. My dog was in quite some pain and the doctor warned that delaying the surgery for too long could result in further deterioration of her elbows. Embrace was wonderfully quick in processing her pre-authorization for surgery and the claim afterwards as well. We are so happy with Embrace and recommend it to everyone!
5

out of 5

POSTED: | BY: Jack Bekkenhuis

Embrace is the best insurance I've ever had

I took a policy out on a puppy I had bought, in the process I decided to include my older dog(7 years old)the policy was in effect for 3-4 months and my older dog was diagnosed with kidney failure. Unfortunately Gracie only lasted about 3 weeks, Embraced covered and paid what they said they would, I have had 2 other ins. companies, ASPCA and Best Pet both companies paid a fraction what they were supposed to. I can't say enough about Embrace, losing a pal, best friend, at least there were no disputes as to what was covered and the amounts paid. I can't say enough good things about Embrace, thank you.
5

out of 5

POSTED: | BY: Jessica

So thankful we chose this option for our boy!

I had been considering pet insurance for a couple years but after browsing online had never really found a plan that looked like it would be worth it to get. After a conversation with a friend who raved about having insurance for her dog after a serious of injuries and illnesses, I decided to look into it again. My handsome dog was not getting any younger after all. I wanted a plan that would cover us under worst case scenarios. Embrace allowed us to set out insurance plan up exactly as we wanted it. You get insurance hoping you'll never have to use it. Unfortunately this year, use it we did. Several months ago they found a lump in my dog's anal sac that turned out to be cancer. We were (and still are) devastated. The insurance gave us the peace of mind to seek more than one opinion on how to move forward with his care. The insurance allowed us to make the best decisions possible for our dog, without having to worry about costs. His cancer appeared about half way through the first year of our policy (although it took several months to determine it was cancer). In August he was given weeks to months to live based on the significant spread. As of December we have used about $7,000 of the $10,000 coverage we purchased and I just received a renewal letter for our coverage in January. I worried they might not renew his policy given his condition, but was happy to see they did. My dog was a relatively healthy dog for this first 7-8 years of his life - no major issues. And then one day, he wasn't, and I have been so thankful that we made the choice to go with an Embrace pet insurance policy! My dog was a relatively healthy dog for the first 7-8 years of his life-no major issues.

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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