Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Brenda

Better than I had expected and Glad to have it!

I was VERY skeptical on pet insurance. Growing up on a farm that is NOT something that you did. But when we adopted our dog was recommend. We are so glad we listened. The staff at Embrace have been VERY helpful with helping us through the process taking a little stress out of an hectic emergency visit and multiple follow up visits. Embrace was very quick to reimburse us w/out any hassle.
5

out of 5

POSTED: | BY: Marcy

Very impressed with the efficiency of this co!

My claim was processed in less than 5 days. Impressed.
5

out of 5

POSTED: | BY: Amanda

Dependable and Caring!

We have had Embrace for almost a year now for our soft wheaten terrier. They have provided excellent customer service from the beginning! Anytime we call in with questions or need guidance on a claim they follow up immediately! We treat our dog like a child, so we don't hesitate taking him to the vet if we're concerned about him. Embrace feels the same way about pets and understands our needs!
5

out of 5

POSTED: | BY: Adriana

Ear Infection

I am very pleased with this insurance. My Labrador is 3 years old. I mostly got this insurance in case of bad illness ie. cancer or bad luck, eating something he shouldn't or being hit by a car. So far only 2 ear infections, bad skin rash and unfortunate lacerations to all 4 paws due to broken glass on a trail. in all 3 cases I was covered. I am hoping that nothing really bad ever happens, but feel safe in knowing that if it does, I have embrace to turn too.
5

out of 5

POSTED: | BY: corinne

embraced saved the day (and the dog)

Boston Terrier Petunia has been with Embrace for 7 years. she has had vomiting and diarrhea off and on for years. my vet referred us to Vet specialist to have an endoscopy and colonoscopy. colonoscopy revealed IBS disease which we can now manage appropriately. endoscopy revealed a large 4"x2"x1" thick wad of cotton threads that was pulled from her stomach. shocking. I was tying up a small treat in a clean cotton sock and she was ripping it apart. had no idea she had ingested threads of sock and it was accumulating over time. this was a very expensive procedure. I am a single senior and Embrace paid the claim in record time. we are now hoping to go from every six weeks of vet visits to maybe one or two with a strict new diet and meds. in seven years I have never ever had a problem with a claim from Embrace. staff is wonderful and caring. please consider Embrace if you are contemplating getting pet insurance.

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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