Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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: Karen

It's Easy To See How Embrace Got Their Name

Our little Bella has had such a challenging journey in her young life. She's only four but has been through so much. We've spent many nights praying for her recovery and hoping she makes it through the night and her pain of surgeries, recurring pancreatitis and seizures be minimized. Whereas our darling's ultimate care is with a much higher authority, there is no doubt that she is receiving the best care available to her on this earth. We could not have done this without Embrace. Without fail, this company has responded quickly, efficiently, and so kindly to the financial needs necessary to give the best quality of life possible to Bella these past years. She is doing very well now and with the very inexpensive plan we have her on, we can maintain her seizures, thyroid, and allergy challenges with medication and confidence in receiving the very best of care. Although, understandably there is a max on benefits (better than most insurance companies based on our research), despite the many times we've had to go to the vet, we've never reached the max and Embrace has made the entire experience(s) hassle free. We feel Embrace is an extension of the love we have for Bella. Part of our family, really. I'm pondering on the rating this review is asking for and wish there was one to reflect the rating of "priceless" as that is what Bella's quality of life means to us and Embrace has delivered that beyond any limited digital rating. Thank you, Embrace. From our hearts - we couldn't have done this without you and are looking for many more years of this type of security to come.
1

out of 5

POSTED: | BY: Paula

What the policy really coceres-Nothing

Have had embrace coverage for years. When I got a new puppy that was rescued they tried to make everything pre-exsisting even though he is only 12 weeks old. Accident and illness doesn't really cover anything because they try to make everything pre-exsisting. I DO NOT RECOMMEND EMBRACE PET INSURANCE TO ANYONE.
5

out of 5

POSTED: | BY: Heide

Fantastic insurance, glad I had it for my dog!

My Bernese Mtn. Dog found an old corn cob in the woods, ate it and got sick. Half of it came up in the morning, the other half went the other direction. Vets didn't find it until day 2, by then she was severely dehydrated and organs began shutting down. More complications after surgery due to infection required several extra days in isolation. I could not have afforded this entire process without Embrace insurance. Thank God it was covered and saved my dog's life.
5

out of 5

POSTED: | BY: Marcia

Amazing

My 14 year old Yorkshire has had a gastrointestinal for the last 6 months. Thanks for Embrace.....claims dept. are awesome, quick on my refund. Laura Bennett is a AAa+++ to make sure if i got my direct deposit. I'm very happy customer!
5

out of 5

POSTED: | BY: Sara

Wonderful, supportive, dependable insurance

Our dog tore her CCL (like ACL in humans) and was unable to walk or play at all. She is only 2 and we were beside ourselves with the whole ordeal...especially the $4000 price tag to try to fix it. Luckily, we have had Embrace insurance for our girl since she was just a small pup. We had not used it much more than for some wellness claims when we first got her. I figured we would get push back or they would try to deny coverage altogether (it is always a fight with our other dog's insurance company). To our shock, they did exactly what they advertise! They were kind and helpful, they did not push back at all, they covered 80% as our plan states and our dog is doing so much better. I can't thank them enough. We could not have afforded this without Embrace!

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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