Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: James Monestero

Outstanding Insurance Company!!!!!!!

Embrace is an excellent pet insurance plan that you should strongly consider for your pet!!! Embrace has been there for my beagle throughout all THREE of his surgeries! There has been no hassle and Embrace can be easily contacted. And when you do contact them their customer service is outstanding! Thanks to Embrace I have peace of mind that my dog will always get the care he needs! Thank you Embrace for being there!!!!!!!!
5

out of 5

POSTED: | BY: Candyce Beneke

A True Blessing for Peace of Mind

My Golden Retriever, Dixie Belle, has Osteosarcoma, bone cancer. She was diagnosed in January, had a complete front leg amputation in February, and had four rounds of chemotherapy. She has monthly chiropractic sessions to help her gate and occasional acupuncture to help her immune system. As of right now, she is still going strong and enjoying life! As you can imagine, this has been an extremely emotional and expensive process. Thankfully, I had purchased Embrace insurance for my girl several years before. Embrace has processed and paid their share of all of these expenses in an extremely timely fashion without unnecessary questions about costs of the procedure. The forms are easy to fill out and to submit - you can even take a photo with your phone!! I highly recommend Embrace.
5

out of 5

POSTED: | BY: Heather

Do Not Look ANYWHERE Else. Love Embrace

I've had Embrace insurance since my Portuguese Water Dog was a pup. She is now 5 and I found a lump on her front leg. It was cancerous and had to be removed by a surgeon. Not only did Embrace cover everything my policy covered, the check was 7 days after surgery, AND because she had been a healthy pet for a few years my deductible was reduced. For a scary situation it was nice to know I wasn't having to sell a kidney to get my dog healthy. The surgeon removed the tumor with good margins so now she just needs to heal but we don't have to do any further treatment. So grateful for Embrace!
5

out of 5

POSTED: | BY: Cory Clarke

Excellent experience with this company

Our dog needed an operation to remove a cancerous toe. Embrace's paperwork was easy to complete. They covered almost the entire cost of the surgery, and they reimbursed us quickly for the expense. An Embrace customer service representative even followed up to make sure we had received their check. I am very impressed with the service and professionalism of this company.
5

out of 5

POSTED: | BY: Billye S

Eye drops prescription

Embrace has been very helpful & courteousThank you
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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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