Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,763

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: Daniela

Fantastic

I love the constant feedback and that there is communication coming through weekly, it helps me know that there is someone actually there to answer questions. Also, that there is someone that can guide me through the healthcare steps because this is my first fur baby so I am new with all this but I don't feel alone at all :)
5

out of 5

POSTED: | BY: Ellen

Worried yet relieved.

Having adopted an older dog, I knew there would be risks in the health of my Boxer. She had a tumor that got larger and gave her much discomfort when she walked and also laid down. The tumor was on her chest and under her armpit. The doctor removed it and another one that was attached to a muscle, under the original large tumor. She also had to have 2 teeth removed, one was partial broken and the other had roots growing over it. My "Sugar" is one tough old dog. She never acted like she was in pain, except her noticeable limp. I am extremely grateful to Embrace for insuring my wonderful friend, Sugar. I don't know much about her past, but her future will always be filled with love, compassion and the best of care. Thanks Embrace.
5

out of 5

POSTED: | BY: Karen

Excellent service and glad I chose Embrace

I am a first time user of pet insurance and I researched a few companies and selected Embrace and I am happy with my choice. I am on my second year of service and I haven't had any major mishaps as my 2 cats Eddie and Molly are young but the wellness plan has been helpful as a "Flexible Spending Account" and their coverage for annual visits has also been outstanding. My rescue baby Eddie has an unexplainable anxiety problem which required medication that Embrace of course covered without question. I can't be more pleased.
5

out of 5

POSTED: | BY: Julie

Prompt and courteous service.

My dog had surgery for the removal and biopsy of three lumps. I was so glad to have embrace pet insurance since it reimbursed me for so much of the cost. My check arrived promptly and communication with embrace was efficient and courteous. I recommend this insurance to all my pet owning friends.
5

out of 5

POSTED: | BY: Ted

I am so happy we found Embrace's pet insurance

I looked at all the other pet insurance out there. None even compare to embrace. We have had do unfortunately submit three claims for our young Yorkie. Embraces processed each one fast and efficiently without any problems. This is one of the best choices I have ever made. I recommend them to everybody I know! They make the process so simple! Claim filing could not be easier

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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