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: Jennifer Sahli

Get Your Pet EMBRACED Today!

We have been loving pet insurers since we were adopted by D-O-G ("dee OH jee") the English Mastiff and quickly switched to Embrace Pet insurance because of these types of online reviews (I did some research!) and their excellent coverage plans. THANK YOU for Embracing him (and us) all these years! He's been one happy and healthy (and spoiled!) pup ever since.
5

out of 5

POSTED: | BY: Donna Paz

Great Comfort!

Two of our three dogs (one goldendoodle, the other a labradoodle) were both treated for eye infections. The visits involved extensive diagnostic testing at the vet's office as well as medications. Both claims were filed and paid well within the two-week turn around period. Such comfort to know that cost is never an issue when caring for my dogs.
5

out of 5

POSTED: | BY: Trina

great health benefit for your per(s)

We unfortunately had a house fire where four pets were trapped inside. We were not at home. We received a call from a neighbor who informed us of the house fire. We rush home to fine our two dogs in the front yard on their doggie beds. One deceased, one survivor. Thankfully the Clark County Fire Department made an attempt to rescue our pets from the house. Sadly, we lost a dog, a cat and an bird to smoke inhalation. Our surviving dog, Hank, a german shepherd, suffered sever smoke inhalation and was taken to the veterinarian for smoke inhalation, He was in very bad shape and I was afraid that we would lose him too. A large veterarian bill would have been more than we could have afforded at that time of the fire. Fortunately, We have Embrace insurance and the worry of a large medical bill was the least of our concerns. At the time we purchased Pet Insurance, I admit, I had wondered how wise a purchase it would really be. Since the fire I am convinced it was as important as purchasing health insurance for anyone in my family. Hank was in the hospitalized for ten days. Thanks to the great skill of our veterarian and Embrace, we were able to bring Hank home. The security of knowing that a large pet medical bill would be covered was the best part of Embrace Pet Insurance. The bonus was the reimbursement check we received from the medical claim. We use the money to have a electronic pet door installed when our house was rebuilt. The monthly premium payments are worth the sacrifice to insure that my Pets will receive the best medical treatment.
5

out of 5

POSTED: | BY: Charlie

On Point

I have an English Bulldog that was diagnosed with entropion. Throughout the process, Embrace has been more than speedy with their processing of my dog's claims. Very impressed with the level of service!!!
5

out of 5

POSTED: | BY: Carole J.

2 young cats very well insured!!!

I have two 2-year-old cats who came to live with me in March from Anti-Cruelty Society. The forms were easy and quick for my vet to complete and submit. The response from Embrace was efficient and courteous. A factor in deciding to select Embrace in the first place was their patience with me as I needed to correspond via U.S. mail since I have no computer at home. In this age of technology the staff at Embrace could easily adjust to earlier communication methods.

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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