Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Claudia

Embrace is the BEST!

Embrace has taken excellent care of our 10 yr. old Mastiff mix dog Jack since we rescued him at age 1. He has had several major life threatening problems along the way and we would not have been able to afford his medical bills without Embrace. He is the very BEST dog we have ever owned and love him with all our hearts. As retired seniors now we are enjoying old age with our sweet senior Jack. THANK YOU EMBRACE!
5

out of 5

POSTED: | BY: Vicki

Black Lab Mix Broken Dew Claw

My 5 y/o spayed lab is the sweetest, clumsiest dog. When I noticed her abnormal dew claw my vet took her immediately. After the surgery and recovery she had her annual wellness. She has also been on Trifexis since Comfortis and Advantage upgraded. No problems. I never expected to get reimbursement for her wellness. I knew the surgery would be covered. What a pleasant surprise to have 2 checks arrive. Our hot water heater went belly-up and the checks covered everything. I just wish human insurance was this good. Full disclosure, immediate returns, consistent and frequent communication whether or not there are any glitches. What a great group of people. Thank you again Embrace team.
5

out of 5

POSTED: | BY: Pat

Prompt service

I usually have my vet send in the claim when I pay my bill so the insurance claims have been addressed quickly. Now that my chihuahua/terrier mix is 8 years old, he seems to be needing a little more medical attention than when he was younger, so I'm glad I have him covered by Embrace.
5

out of 5

POSTED: | BY: Donna

The Best Pet Insurance on the Market

I am extremely happy about the way Embrace handled my claim with Sophie. Everyone I have had contact with at Embrace was caring and willing to go the extra mile to help. Your customer service is excellent. I was told that Embrace is the best pet insurance on the market and now I now why. I highly recommend Embrace!
1

out of 5

POSTED: | BY: raul

5 degrees to kevin bacon

my partner went into renal failure, our vet is right at our back fence so we just jumped over. she stopped eating, drinking so she was I.V.'d and held over till she recovered. weeks later, i get four form letters saying "hi, i'm a pet owner myself, i'm sorry we can't pay for this emergency". In using the 5 degrees paradigm we've managed to find not normal kidney labs in her hx so that mean this was a (you guessed it) "pre existing" condition so it was bound to happen sooner or later. wow, this is the second time i submit this review, i got a "There was a problem with your submission" the first time. we've been w/ the ins for close to a year...a whole year! we bought on to their "you'll need us for emergencies". fooled once, shame on you fool me twice shame on me; i have asked to be cancelled. folks we treat our partners w/ kindness, we love them, we have them checked, have them have labs and the works which we pay for and buy emergency coverage insurance for the sudden stuff, but someone forgot to tell the insurance company.

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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