Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Elizabeth Larsen

Best insurance ever!

My 12 year old kitty had a sprained leg due to being in a car accident. Submitted the claim and within a week received reimbursement for 80% of the bill. I've had other pet insurance and Embrace reimburses the most! I highly recommend this insurance!
5

out of 5

POSTED: | BY: Kirsten Fitos

Excellent as always

My chocolate lab needed surgery to remove a rock he ate. The rock got stuck in his intestine(s), and actually perforated his bowel. This is the 2nd time in less than 2 years that this has happened. With both of these instances, and every other claim we have filed with Embrace, the service has been second to none. I recommend Embrace to everyone who has a pet. Covering my 4 dogs was one of the best decisions I have ever made concerning them!
5

out of 5

POSTED: | BY: tony bonavist

Molly ourboxer

When we got our little boxer puppy, Molly we immediately found that this variety of dog, is prone to health issues. So we searched the web, and found Embrace to be highly regarded company and have been with them ever since. The claims that we have been made have been paid promptly, and we are alway provide with claim status. we will tell you that with out Embrace support, it would have been most difficult to provide the care that we have for Molly!
5

out of 5

POSTED: | BY: Deb

Just makes good sense to have Embrace !

I compared pet insurance companies 6 years ago and picked Embrace.Best decision ever! My 10 year old, 5 pound Shih Tzu, poked herself in the eye with a frozen piece of grass 2 years ago. Eye surgery, follow up visits and eye meds added up to a few thousand dollars. I paid my deductible and copayment and Embrace covered the rest. There have been other illnesses and having the insurance is " peace of mind" knowing I can afford the vet care. The claim forms are simple to fill out. The communication via email about claim status is excellent. The check is in the mail within 2 -3 weeks. I live in a neighborhood that has a pet park, so there are a lot of dogs out all the time. In the neighborhood information area, I put out Embrace brochures for neighbors and I spread the word. My sister signed up her dog last year. It just makes good sense to have Embrace pet insurance for emergencies and illnesses. We want the best for our loved ones!!
5

out of 5

POSTED: | BY: Mary J

Got my money's worth

I like this coverage because I have tried a number of other companies over the years and I seem to never get anything back. This is a problem when you pay the Vet so much these days. This is easy to use, reasonable in requirements and nice to deal with. It is pretty straight forward after the enrollment. It helps me get superior care for my dog. When I adopted him he had some infections, tooth problems and was underweight. Now he is much better after head to toe care.

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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