Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Marge

Embrace is the very best all around pet insurance.

Morgan had a cancerous spot on her stomach. The tumor had to be removed. When I sent invoice to Embrace, the company responded quickly, advising payment had been approved. The payment was received without any difficulty. Payment covered over 3/4 of the bill. What a fine company..from calls from representatives advising approval and offering to respond to any questions I might have. Of course, payment was very surprising as usually there is a glitch. Go Embrace.
5

out of 5

POSTED: | BY: Marty

Happy doggy!

Raven is my 11 yr.old Belgian Shepard - Groenendael. I have had her since she was 11 weeks old and we've done a lot together, including showing to her AKC Championship - something I had always wanted to do. Her left anal gland ruptured. Can't miss that one - phew!!! got it just about all healed up and the vet found a lump. We decided to wait a short time to see if it went away, but it got a little bigger and a little harder. Time to have the anal glands removed. She also had a lump on her tail, so that got removed at the same time. The good news is that both tissues came back from the lab as cancer-free. Yea! At that point I was happy as could be, and thought I'd file an insurance claim and see if I could be made happier. Very happy with the service from Embrace. No. 1 company in my book.
5

out of 5

POSTED: | BY: Louis

Cancerous Growth

The insurance claim was settled timely and to my satisfaction.
5

out of 5

POSTED: | BY: Jenny

No hassles with claims

I have been very pleased with Embrace Pet Insurance. My vet office files the claims for me and I receive reimbursement checks quickly. My dog has had a couple fairly serious illnesses/injuries this year. Thanks to Embrace, I did not have to worry about expensive vet bills. If your dog is part of your family, it makes sense to get pet insurance. I am very glad I purchased it for my dog.
5

out of 5

POSTED: | BY: Sheri

Embrace Embrace Pet Insurance

Is it worth the money? Yes, absolutely. The peace of mind pet insurance gives pet owners is worth the dollars put out for the insurance. I am so happy I did. I swore my next pet would be insured. My first pug experienced many medical problems as she grew older. Expenses I found hard to meet on a fixed income. When she passed, I adopted two more pugs. I purchased the insurance from Embrace and I am happy I did. Their yearly physicals and medications are covered as it the over the counter water additive to combat doggie breath. I will continue their insurance as they age...keeping in mind that they are worth it. After all, their love is without strings..so should mine be.

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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