Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,679

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: Stephanie Clarke

The best pet insurance we've found

We have two dogs and both had claims a few weeks apart.The first one took a little time, but the reimbursement was made to our satisfaction. The second is taking a little time as well, but when I call, a representative explains what is happening and is very helpful. This is a great company.
5

out of 5

POSTED: | BY: Chris Huckaby

Best move I made.

Our 2 Lab sisters are a year and a half now an I couldn't be happier with the way Embrace has taken care of us.Our black lab has ad a bevy of issues mostly allergies and Embrace is right there. They answer the phone promptly and respond on email questions promptly. I tell everyone in vets offices about Embrace.
5

out of 5

POSTED: | BY: Diane Mitchell

Very Happy with Embrace!

I have had Embrace Pet Insurance for 4 yrs now and I am very pleased how they handle the claims for me. Our golden was sick in Sept. and had to go to the emergency vet. in the middle of night for treatment. When I submitted the claims I was covered and got a check within a couple of weeks. It is nice to have pet insurance so I don't have to worry so much anymore. This is the first pet I ever had insurance on and think it is great.
5

out of 5

POSTED: | BY: Suzanna Innerhofer

So far so good

I got embrace insurance on my new puppy the day I brought him home. I had been looking, reviewing, researching different pet insurance since I had decided to get a new Labrador Retriever puppy. I didn't have any insurance on my last Labrador, and paid dearly because he had hd, and was epileptic. I just did a wellness claim on my young pup for neuter, and had questions about a few things. The young lady on the phone was great. Even when I couldn't remember a question she helped me set my mind at easy about what all I needed to do. Now as long as this goofy boy doesn't do something crazy I'm set for a long happy life with him.
4

out of 5

POSTED: | BY: Paulette Rogers

Embrace Helped Pay for Sage's Cancer Treatment

When I purchased Embrace pet insurance for Sage, I never expected that I would have to file a claim for cancer. We had our first dog die of cancer in 2009. At that time we had a different insurance policy. When we lost our first dog, I was sensitized to the canine cancer issue and had Sage tested every way that I could think of for possible Cancer. He was tested even for bone cancer. At that time he had no signs of cancer. I did this because many of the articles I have read stated that more dogs die from this often because veterinary medicine often does not diagnose it in its early stages. So, I was shocked, horrified, and very afraid when the vet told me that there was a possibility that Sage had cancer. This was confirmed two days later. Sage has always been the one who looks out for the other family members. He intervened when one of our cats was attacked by another dog. He took charge of house training our new puppy, Rose, when she joined our home and did an outstanding job. If he hears one of our cats make nervous noises even if they are outside, he is the first one to investigate. So, he is an honored and loved member of the family. I was given three possible referrals from our vet, Dr. Hong Park and chose CVS, (California Veterinary Specialist) for the cancer evaluation and treatment. The staff and physicians there have been very comforting. We normally see Dr. Fitzpatrick and Maggie, the nurse/ vet assistant when we go to CVS. Through them I learned that Cancer treatment for dogs and cats is a little different than the treatment we think of when we think of the image of the “human cancer patient through the years.” I was afraid that I might cause more unnecessary suffering by treating Sage. This was not so. Treatment allowed Sage to perk up more than I’ve seen him for quite a while. Treatment has improved his quality of life tremendously and his quality of life will even improve more when treatment has ended. It is felt that Sage is in remission due to the treatment but he must finish the course of treatment to ensure that remission is stable. It was comforting to know that Embrace would cover the treatment of Sage’s cancer. Starting treatment had some difficulties because Embrace is a reimbursement insurance and the cancer caught me and our family unawares. However, once treatment was started and I received the first insurance payment, Embrace has served to smooth the way for Sage’s future treatments and any follow-up car

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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