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: Jennifer Ketchum

So very thankful for Embrace insurance

When our Bernese Mountain Dog, India, was nine months old she was diagnosed with elbow displaysia. Although we understand dogs of her breed often suffer from hip dysplasia later in life, we were completely surprised by the elbow diagnosis, which can be more difficult to treat. Thankfully, we had already signed on with Embrace. We originally chose Embrace because of its comprehensive care and willingness to support alternative therapies; the health & wellness of our family pets is very important to us. At four years of age, India has had three surgeries on her elbows and shoulders, rehabilitation, and stem cell therapy. Embrace has helped us with all of her care! We are extremely grateful! Hopefully, India has many years ahead and we will be able to continue to keep her joints as strong as possible. India also serves as the unofficial mascot of a local elementary school - many kids and adults depend on her happy presence and Berner love each day. Thank you, Embrace for helping us to keep her healthy.
5

out of 5

POSTED: | BY: Lee Ann

Satusfied with service on claim

Response time was reasonable and we were satisfied with the result. The covered portion was applied to the deductible as we expected.
5

out of 5

POSTED: | BY: Martha Carey

Satisfied Customer

This is our first experience with Embrace pet insurance.We were very satisfied with how quickly they processed our claim. Laura Bennett was extremely helpful and showed compassion with our pet. We would highly recommend Embrace to anyone interested in obtaining pet insurance.
5

out of 5

POSTED: | BY: Susan

Insured since 2009, always timely reimbursements

Our girl was diagnosed with cancer and Embrace paid our claim within days of our vet submitting the bill for her surgery. They have always been timely with claim reimbursements, since 2009. Paying claims on actual fees rather than a fee schedule is a tremendous help. Would recommend Embrace to anyone looking for health insurance for their furbabies.
5

out of 5

POSTED: | BY: Chris Huckaby

2 Labs and Great Service

Have 2 labs that are a year old. One had to have Entropion surgery on both eyes. Embrace Preapproval was painless and as always they are quick to respond.So happy I decided to go with Embrace Pet Insurance.

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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