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: Arthur Rochester

Cushing's Disease

In 2014, my canine pal Pancho was diagnosed with incurable Cushing's disease, other wise known as pituitary dependent hypercortisolism. The disease causes an over production of the hormone cortisol. Dogs lose body hair and they become voracious eaters and are prone to being overweight. If untreated the prognosis is an early death. Cushing's is a disease that last for the lifetime of the dog, whether treated or not. Thankfully, we had Embrace Pet Insurance. The Embracers were sympathetic to the cause and have paid every vet bill and have picked up the costs of expensive medications. Without Embrace, Pancho's life have been far shorter. Now, although he is constantly hungry, Pancho's body hair has regrown and he is living a normal dog life.
5

out of 5

POSTED: | BY: Leah

Fantastic.

My dog cut open his foot, needed stitches, and then got an infection. Embrace was super helpful throughout the whole process and we got back all the money we expected.
5

out of 5

POSTED: | BY: Aimee

Fast service

I have the wellness plan and I highly recommend it. I get her flea/heartworm prevention, rawhides that help with dental cleaning, nail trim, and vaccines covered . The reimbursement is quick as well.
5

out of 5

POSTED: | BY: Peter S.

Pet Ins the way it should be

This was exactly what I was looking for in pet insurance. Its rare these days to not have anything go wrong when trying to get what you pay for, but nothing did. I put claim in, got reimbursed in just days as advertised.
5

out of 5

POSTED: | BY: Robert

Fast-------------fast------------and fast---------

The Embrace team were fast but also thero, quick response and precise. I would recomend the company with the same staff as a number 1 pet insurance from my experiance with four differnt ones.

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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