Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,910

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: Ronald

Making chemotherapy affordable

My 9 year old Rotti-mix has recurrent lymphoma (was in remission and came back). Without insurance I woud be in a very difficult position; deciding whether we could afford his chemotherapy treatments. Embrace has been great; paying promptly for his 16 treatments the first time and paying again now that the cancer has returned. Over all they've been a pleasure to deal with.
5

out of 5

POSTED: | BY: Jean-Claude

Impressive

We researched various pet insurances, and Embrace was by far the most complete package. Once we took our pet to the vet, they tried to offer a similar package to embraces wellness plan, except that embrace was much better priced and comprehensive, even the staff stated that they were impressed with the quality of this plan. I received two confirmation emails after the vet issued our first claim, and a follow up email confirming that the claim had been processed and approved and payment was on its, way.. That simple, no hassle, no story, simply following what was promised to us
5

out of 5

POSTED: | BY: Patty

They are fabulous with communications

My dog had laser therapy by my vet for a herniated disc with PT.Yhis wasn't successful.I was regetred for an MRI with a neurologist/ surgeon For what seemedc to me an outrageous sum around $2200. Embrace consistently kept me informed as to tthe claims status. I happily received reimbursement before my credit card payment was due!!
5

out of 5

POSTED: | BY: DJW

Outstanding

Simply stated Embrace offers outstanding insurance plans and stands behind the plan. I am happy to have Embrace covering our 4 pups. They have outstanding customer service, prompt reimbursements, and better than all of that, no gimmicks, they truly cover what they say they do giving me peace if mind. They are the best!!!!!
5

out of 5

POSTED: | BY: Heather

Love the Wellness plan feature!

My dog Tina had her first vet visit and received her rabies and kennel cough vaccines. She also had bloodwork done that was necessary prior to her spay surgery. It's nice to have this added plan feature to help cover these costs in smaller increments. The reimbursement was settled super fast.
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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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