Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Tracy Andrews

Great Danes are expensive-but Embrace helps!

I did a lot of research on pet insurance. I was getting a great Dane and knew I'd need it. One other Dane owner had blogged that Embrace was his top choice. When I went to my vet, she said they had also researched companies and Embrace came out on top. I didn't have to wait long to use it, he got a double ear infection! The paperwork was easy and after submitting medical history-he was a rescue so they took what we had-they quickly approved my claim and my check is on it's way! Very painless and made his medical attention affordable. Have almost made back the premiums already! Will definitely keep and considering adding my other pets as well.
5

out of 5

POSTED: | BY: Lisa O'Donnell

Very Happy with Embrace

My dog was vomiting daily for approximately 2 weeks. Blood work was normal and Xray was normal. Called Embrace to see if an ultrasound was covered. I received the precertification form for my Vet to fill out and it was approved the next day. I received my check approximately 4 days later. Best decision I made was to get pet insurance and I never had a problem with Embrace.
5

out of 5

POSTED: | BY: Douglas Reid

Excellent

Embrace has been first class in their level of service and understanding. Highly recommend.
5

out of 5

POSTED: | BY: Dorothy H

Great Insurance For my Pets

My Newfie was limping and was rushed to emergency room.(Bone chip left hip ).There was a recheck at our local vet, and now our dog is stabilized on meds.Our claims were handled very quickly and smoothly.I would highly recommend EMBRACE !
5

out of 5

POSTED: | BY: Avril

Surprised and relieved

My dog was attacked by two other dogs and was really hurt. We went to traditional vets and they ended up medicating and sedating him for pain and intermittent lameness. He just grew more ill. We went to a holistic vet for alternative care. She helped our dog with acupuncture, laser therapy and counseled us in a clean, homemade diet for our dog. He's come a along way. He's leaner and the holistic vet has gotten to the root of the dog's problem and is treating it. He's mending, more mobile and happier! We were really shocked when we submitted our vet bills to Embrace and they were quickly approved. It's made the treatment he needs accessible and affordable. We are very, very happy with our pet insurance!
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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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