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: Mandi

fast service

I am a vet tech and I use embrace to cover what my employee discounts do not. I have never had an issue getting things paid for, even with the latest products for heartworm and flea, or new vaccinations. I have known other companies to not remburse customers for those things. I also always get my money direct deposited in a short amount of time.
5

out of 5

POSTED: | BY: Pit

Thank God for Embrace!!!!

I've got 2 rescue pit bulls that love to get into anything and everything they can find. Recently my male Mason, had gotten a hold of a mouse that was contaminated with poison. We didn't know it was contaminated until a few days later his jaw swelled up twice the size of his head and he was bleeding profusely through his mouth. He was rushed to the emergency room where he had to have plasma and IV's just to make it through the night. In the morning we took him to his vet and spent another 4 days hospitalized. I filed my claim worried that it would not be accepted. I'm thankful it was because it has helped me so much!! Embrace staff is very understanding and has even emailed me to see how my pets are doing after their claims. They are awesome and I have told all of my friends with pets that they are the insurance to have!
5

out of 5

POSTED: | BY: Linda

Quick response with fast payout

This definitely helps pay the bills, even if just for annual wellness exams.
5

out of 5

POSTED: | BY: Arthur

Efficient and friendly service

Pancho was rescued when he was a three month old Pomeranian mix puppy. Although he had not been very well taken care of, I thought that if he was given a quality diet in a clean and friendly environment, we would be able to avoid future health problems. But with poor little Pancho, if it isn't one thing, it is another. Shortly after bringing him home, I researched various pet health insurance companies. Embrace stood out because of their allowances and coverage policies. Getting the vet's office to submit claims when Pancho came down with a problem was the hardest part. Once the vet took seriously the fact that Pancho had health insurance, there was no problem getting reimbursed for the actions the had to take to test and remedy the problems Pancho has had. Now, Pancho seems to be in good health. I am very thankful that Embrace has been there for both of us. This pet insurance has given Pancho a better, healthier life than he would have had without Embrace.
5

out of 5

POSTED: | BY: James

Much better than the alternatives

I previously had SPCA pet insurance and Embrace is much better. They offer many different customizable levels of coverage and they are generally quick about paying claims. Perhaps the best part is that they cover conditions that most companies will not cover (hip dysplasia in labs for instance).

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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