Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Katy

Grateful we made the investment

Our pug got into the trash and ate some paper products that ultimately led to ER and regular vet visits, as well as major surgery, followed by an abscess. Our bills were close to $4k. So grateful we had insurance....while we are still out of pocket over $1k, thats way better than the full amount! I strongly recommend pet insurance for the catastrophic for sure.
5

out of 5

POSTED: | BY: Kim

Embrace has Saved Me Money and my Puppy is only 6

I purchased pet insurabce because I didn't want to be stuck in a situation where if my dog really needed some serious surgery I wouldn't be able to afford it. However, I also purchased Embraces wellness plan. And I've already received more in reimbursement then I've spent. I know this will change as a Daisy grows but the reassurance I get not just from if something major goes wrong it is covered, which is worth the price, but Embrace also makes your dogs care more affordable over their lifetime with wellness benefits.
5

out of 5

POSTED: | BY: Arthur Rochester

Embrace Has Saved My New Best Friend

Eight years ago, I was given a small dog when I retired from a 40 year long career. At the same time, I researched and invested in an Embrace pet insurance policy. A few months later, Pancho was diagnosed with several costly health conditions and further tests were highly recommended and completed. Over the years, all sorts of calamities have befallen poor Pancho. In 2014, he was diagnosed with life threatening Cushing's Disease which demands constant vigilance by myself and our vet. During this time Embrace has quickly handled every claim for treatments and medications to keep Pancho in good health and his disease under control. Every year, Pancho's therapy becomes more expensive. In fact, Pancho's vet bills have become so expensive that I could not afford them without the help of Embrace. This great insurance company has allowed me to keep my dog and his health in check. Without Embrace, I would have had to give him up. Thank you, Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Kiara

We love Embrace!

They always cover our little ladies and make the process so easy. Thank you Embrace!
5

out of 5

POSTED: | BY: Todd Lavoie

Great customer service

Everyone with whom I have interacted at Embrace has been very friendly, helpful, and efficient; I really appreciate it!!

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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