Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Jacquelyne

10/10 Embrace is the BEST!!!!!!!!!!

My adopted dog has her vets # on speed dial!!! Anytime Icall,the customer service is outstanding. I have been going to the same vet clinic for over 30 years, and on my recommendation they now Feature EMBRACE on the Insurance billboard.
5

out of 5

POSTED: | BY: Valerie

Embrace gives me peace of mind!

I have two cats on Embrace and one is healthy as can be and the other has had a few surgeries. Thanks to Embrace I don't feel the financial burden of taking the best possible care of my babies! I have recommended the service to many friends and will continue to do so!
4

out of 5

POSTED: | BY: Mary

Friendly

I keep a high deductible and carry this insurance against catastrophes, which have fortunately not materialized. It does encourage me to seek care early, though, and this has saved Ani some big problems, e.g. a kidney condition, which, left untreated might have damaged her health. Then there was the raisin eating incident. . . All in all, I'm pleased. Expensive, but so is veterinary care.
5

out of 5

POSTED: | BY: Trooper

Wellness Checkup...Covered for $200

I just received the reimbursement check for $200 from Embrace. My vet has a special yearly wellness checkup umbrella plan for $209, so for $10, Trooper is covered for blood draw, rabies, urine and fecal exams, etc. I'm very pleased with the terrific coverage and response of Embrace.
5

out of 5

POSTED: | BY: Monica

Best insurance out there

I've been with Embrace for three years, and I've never had a claim denied. I had used other companies in the past, and they fought me on every claim. Embrace provides prompt service--I received pre-approval for my dog's cruciate surgery within three days, and I submitted the request on a Friday! Furthermore, Embrace covers "alternative" treatments, such as laser therapy, physical therapy, and veterinary acupuncture--without which my dog would be in great pain. Thank you, Embrace, for the great service!
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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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