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.
4

out of 5

POSTED: | BY: Jessica Chung

More time for snuggling!

Embrace has allowed us to worry less about Roscoe's health (and the ensuing costs) and more about giving him all the love and snuggles they can handle. They make the claims process VERY easy, and while we find some of the pre-existing condition terms very frustrating - only one ear infection covered per year?? - we are overall happy with our decision.
5

out of 5

POSTED: | BY: V. Buggs

High Speed Low Drag

I have to say, Embrace Pet Insurance has surpassed my expectations of honoring medical claims for my dogs. HUMMER(Yorkie-Poo) has been insured since 9/1/2014 and CoCo(miniature Poodle) since 3/30/2015. Embrace provides immediate coverage for standard treatment, i.e., vaccinations, flea & tick guard and other wellness procedures, a variety of discounts, reasonable rates and different rates of premium payments. Embrace is our 2nd insurance carrier. What sets Embrace a part from other pet insurance companies is their continuous interaction and responsiveness with the parents of the insured. I think they understand how expensive pet bills can be, especially for puppies. They continuously remind customers to submit all essential paperwork in order to maximize all reimbursement claims.
5

out of 5

POSTED: | BY: Jimmy kindred

Embrace is a lifesaver.

My 8 year old blue healer went in for a routine check up and after a sonna gram it was discovered he had a mass on his spleen and adrenaline gland both were removed by surgery and he made a full recovery thanks to embrace I did not have to worry about the cost of his medicial expenses.
5

out of 5

POSTED: | BY: Eva

So Grateful!

We have been incredibly pleased with Embrace. We were so thankful to have such complete coverage when our dog Tashi tore her ACL and needed surgery. It gave us a peace of mind to know we could make the right decision for her without having to take finances into account. I am glad to report she is healing well and back to her active self! We couldn't be happier with Embrace and the quality of service they have provided us.
5

out of 5

POSTED: | BY: ann

glad I did it

on the urging of a friend, I bought Embrace pet insurance Dec 2014. At the time all pets were healthy. Unfortunately three developed illnesses in 2015, and Thank Goodness I have Embrace. Even with a high deductible I still got significant payment back
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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 detail
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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