Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Darin Gilligan

My dog is alive because of Embrace!

Never again will we be without pet insurance, and Embrace will be our company. We have 4 dachshunds, and we know historcally they have the potential for serious back problems. Since we have had dachshunds w/ back issues in the past, we decided to insure the younger 3, since they had no prior issues. Not three weeks after their orthopedic was cleared, our youngest ruptured a disc and had to have surgery. I don't know what decision we would have made w/o the insurance. Embrace saved our girl! I have been recommending Embrace to everyone I know.
5

out of 5

POSTED: | BY: Cathy

Speedy reimbursement!

I am a new customer to Embrace. Part of my coverage includes the wellness policy which I immediately used for one of my dogs - Psych. He needed to get a dental and the wellness program resulted in the entire procedure being covered. More importantly, I submitted the wellness claim on Sunday night; Monday I received notification that it had been received and Tuesday morning I received notice it was approved and a check had been cut! Now that's fast! I wish my own insurance worked so quickly!. I am extremely happy with the insurance coverage and am glad I selected embrace - I even told my vet so they could spread the word to other clients!
5

out of 5

POSTED: | BY: Dr.S

Easy insurance: I highly recommend

They did exactly as promised. We spent ~9000 for our older dog who developed ITP and was in the emergency care. I submitted the claims and I got the 80% back: no mess, no fuss. Thanks, Embrace. Jugnu is a happy old dog.
5

out of 5

POSTED: | BY: Jenna

Be a responsible pet owner

Embrace has paid for itself every year for us. I feel like you cannot be a responsible pet owner without some type of pet insurance. After much research, we decided to go with Embrace and there have been no regrets since. Reimbursement checks are always quickly received and claims are super easy to submit (fax, mail, email). I definitely recommend to everyone with a pet whether it's a baby or adult.
5

out of 5

POSTED: | BY: Kimberly Hope

Blessing

I have called Embrace on different occasions and have found them to be very kind, understanding and willing to go to the extreme to help in anyway they can.

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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