Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: Georgie

Emergency

Embrace has been wonderful. My dog became very ill one day last month. We rushed him that Tuesday evening to the VCA emergency animal hospital. Getting the VCA to fax over the paperwork has been a little difficult, but once it was in Embrace definitely did their part. I really like the email communication as they keep you updated each step of the way while processing your reimbursement. I absolutely recommend Embrace pet insurance with no hesitations!
5

out of 5

POSTED: | BY: Meredith

Second ACL surgery

My dog just had his second TPLO surgery. I received a refund in less than two weeks. Embrace is easy to use and hassle free. I have recommended them to all my friends!
5

out of 5

POSTED: | BY: Robin

Seizures

My 11 year old pom-a-poo out of the air starrted having seizure.. they got real bad so i took him to see a nueroligist. they gave him some medicine to take, but the next day his seizure sttarted up again and they would not stop. i ended taking him to the same nueroligist bu to the emergency room side of his practice. Keno ended up spending a couple of days in the emergency room.. he is now much better and no more seizure..
5

out of 5

POSTED: | BY: Lisa

Checks in the mail

I love the Wellness Rewards Embrace gives me. I just received three checks in the mail for having wellness visits for three of my dogs....the fourth dog goes next month. After submitting my claim, I was reimbursed within a week.
5

out of 5

POSTED: | BY: EH

Dog fight

My own dogs fought with each other after living peacefully together for almost three years. We determined it was a foster dog that triggered the animosity. It happened in an instant. I took both dogs to the emergency vet on a Saturday, about three weeks ago to get patched up, and have since been back for follow ups. I submitted my claims and have already received my reimbursement. Once the claim was submitted an email chain ensued to keep my posted of the status of my claim. I wish human insurance would work as well. In addition, any time I have called with a question, I get a knowledgeable and courteous human. Thanks, Embrace. ps. I tell the vets office and anyone else with pets about the wonderful service you provide.
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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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