Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Polly

Lameness diagnosed as Elbow Dysplasia

My young German Shepherd/Heeler mix has been diagnosed with Elbow Dysplasia. Embrace has covered the CT Scan and series of Adequan shots. I am still not sure if we will have the surgery done but feel confident Embrace will be there to help us pay for it if it comes to that in the future.
5

out of 5

POSTED: | BY: Kendra Edwards

8/20/15 Our boxer, Elsa bece very ill.

Elsa became lethargic, stopped drinking, eating, could barely walk and her body was going in to a V shape. Our vet treated it as if it was possibly Menengitis. She placed her on an antibiotic and was getting better. After a month she started with the same systems. She recommended a Spinal Tap and MRI. Sure enough it is Menengitis from her immune system. Paying up front and filing the claim has been great. It usually takes about 3-4 weeks to be reimbursed. You receive an email once Embrace receives the paper work and through the entire process from when Embrace sends your check to reimburse you. We are grateful for affordable pet insurance. Your pet is treated, as if Embrace is part of your family. I will never go without pet insurance ever again.
5

out of 5

POSTED: | BY: James

Wellness

Very helpful sales representative walked me through the process for enrolling my puppy into health insurance and explained all my options. Submitting a claim was very simple and easy!
5

out of 5

POSTED: | BY: JN

Beyond grateful to Embrace!

Couldn't have been easier! Notified within a day that they had our claim & a few days later we received payment. No hassle, incredibly transparent and straight-forward. We wish our 'human' health insurance ran as smoothly (and clearly)! So grateful Embrace helped us get excellent care for our dog when things got scary. Out of nowhere, she got a high fever, developed complications & ended up spending days in the ICU. Each day the vets were confident she could make a full recovery... and she did! Almost as quickly as she had gotten sick she bounced back & was home running, playing and doing all of her usual favorite things! Thanks to Embrace, we didn't have to worry quite as much about the money and could focus our attention on making the best choices for our dog's care and supporting each other during an incredibly stressful time. We've recommended Embrace to friends & family and will continue to do so. They've been outstanding - we couldn't have asked for more! Thank you to all of the 'Embracers' for taking such great care of us.
5

out of 5

POSTED: | BY: Laura Welch

Wonderful company, great peace of mind!

Embrace has covered both of our dogs for over two years, and we cannot recommend them highly enough! Claims processed fast, lovely company to work with. Our younger dog contracted parainfluenza and pneumonia just weeks after we bought her policy, spent a week in ICU on oxygen and IV fluids. Heartbreaking, but she pulled through and Embrace covered it exactly as expected. We are so happy!

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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