Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Beth

Helping us each step of the way

We recently found out that my beloved boxer boy has T-cell lymphoma and dilated cardiomyopathy. While these diagnoses have dealt us a significant blow because the average lifespan is six months from diagnosis, having Embrace cover the cost of his chemotherapy treatments and his cardiomyopathy medication has brought us some peace because it has allowed us to give him a good quality of life while he is with us and to focus on giving him love and care instead of worrying about money. The people at Embrace have been extremely caring and our claims are processed very quickly which is important because weekly chemotherapy treatments are expensive. I am very glad to have Embrace in our corner as we fight cancer and heart disease and my boxer boy has kept his tail wagging because he feels so much better while getting treatments.
4

out of 5

POSTED: | BY: Harper Hobbs

Ideal

Embrace really helped us figure out a tricky situation, that involved a lot of back and forth. It ultimately came down to poor record keeping from our vet, and we had a very helpful experience.
5

out of 5

POSTED: | BY: Luke

Surgery is scary!!! (but not with Embrace)

I'm a dog owner who is pretty overprotective when it comes to the care of his baby, so it was a huge shock when mine began developing some pretty significant orthopedic issues seemingly overnight. We went from seeing the vet ever so often for vaccinations and wellness checkups to being in a doctor's office every other day for x-rays and consultations and surgical planning meetings.....during scary times like that, you're not even thinking about the money, or the insurance coverage if we're being frank; you're just thinking about getting your animal back to better than normal. Embrace stepped in right as things started to get hectic and really put my mind at ease. BEAT me with paperwork i needed taken care of, made calls in my stead...My process isn't fully done with my little one; there's still a surgery or two to be had before she's all better, but Embrace is making it all manageable. All hoops are easy to jump thru with their assistance. Thanks for everything, y'all.
5

out of 5

POSTED: | BY: Samantha

Great insurance!

Easy process with email updates and a helpful online portal!
5

out of 5

POSTED: | BY: melissa summers

peace of mind

4 months ago we got our new puppy, after losing our last boy to kidney disease. I was very concerned about getting a new pet after all the sadness of our last experience (not to mention the medical costs which weighed heavily on our family)But happily Embrace has given me peace of mind! Our boy Captain has used his Embrace 4 times already for well visits and 2 GI incidents. One visit cost us $1400 and embrace covered everything but our deductible! I love you Embrace! You've made it possible for our family to own a pet again without the stress of financial ruin. (and submitting a claim is the easiest thing I've ever done)

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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