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: Pat

Never go without Pet insurance and make it EMBRACE

About4 years ago we had to put our wonderful, much loved German shepherd/husky to sleep because of cancer..he was 13 years old but because he was just like part of the family, we had decided to do whatever we could for him. They did surgery on him which cost us 4,000 out of pocket and even though we held out hope, he only lived 3 months more after the surgery.We were aware that it may not cure him, but we had to try.One year later we adopted a dog out of the aspca who was only 3 months old. After going through what we did the last time I decided I would only have another pet if I could afford the insurance.We chose Embrace insurance from the beginning and haven't been sorry since! It is the best thing we could have done for our puppy, and for ourselves. We adopted a 3 month old husky/shepherd again, who was playful and energetic.But when he turned 18 months old we noticed he was lame in one leg. We took him to the vet and after x-rays he was diagnosed with bilateral hip dysplasia. He has since had to be on daily medicines and routine 6 moth lab work, and at some point he will need hip replacements. Embrace was extremely good at covering everything they said they would allowed in our plan. What a great help this has been! We receive our refund very promptly and if I ever have any questions I call their offie and am always treated with a friendly courteous voice. The BEST thing I could have done for our dog Loki is to cover him with Embrace pet insurance. I know in the future surgery will be necessary, but we can rest at ease because we have EMBRACE helping us through t!
5

out of 5

POSTED: | BY: Elizabeth

Great customer service! Awesome insurance!

I have a Great Dane that is always having issues, embrace has been a life saver. He was just diagnosed with a spinal issue and the coverage made it possible to get diagnostic work done. Best pet insurance around!
5

out of 5

POSTED: | BY: Kathy Cully

Quick contact on claim

I continue to say that getting Embrace Insurance for my pet was the best thing I did when I adopted her. I only wish I had had this for my other 4 previous pets. Each time my claim is submitted by my Vet, I hear immediately from Embrace concerning the status of the claim. This is invaluable to me.
5

out of 5

POSTED: | BY: Kim Palmer

Best pet insurance

The best insurance you can have for your pet.
5

out of 5

POSTED: | BY: Cliff Feldman

Best pet insurance out there!

My wife and I did our homework on all the pet insurances being offered. Embrace employees were the most pleasant to speak to.Our experience with Embrace for our 8 month old Doberman has been nothing other than exceptional! The company has come through with everything they state they insure with no exceptions. We highly recommend this company to anyone with a pet.

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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