Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,440

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: Cheryl

A+++ Service from Embrace! Highly Recommend

I purchased Embrace last March for my English Bulldog puppy. We have never purchased pet insurance before, and researched many companies thoroughly online before deciding on Embrace. Their fair pricing, reimbursement based on cost rather than someone else's opinion of what is "reasonable and customary," and coverage of genetic conditions convinced us that Embrace would be the best choice. And after a rough first year for my Lola due to a bum knee and a fondness for eating bees she is allergic to, Embrace's prompt response to our claims has reinforced our decision. We will always choose Embrace and recommend to all!
5

out of 5

POSTED: | BY: Sandra

Embrace is the best!

I have tried other pet insurance companies in the past and I must say that Embrace is excellent. They kept me update and informed me promptly on the progress of my claim. I have peace of mind now knowing that if God forbid I have a big vet bill, I have a reliable, trustworthy insurance to help me through it. I highly recommend this insurance company to other pet lovers out there.
5

out of 5

POSTED: | BY: Karen Roth

We will never be able to thank Embrace enough

Our Corgi, Amos, developed cancer and is undergoing chemotherapy. Embrace has been wonderful since he was diagnosed, letting us know when they received claims, processing claims quickly and accurately, responding immediately to questions via email or phone, checking with us to make sure everything is going smoothly. Without Embrace we would be unable to treat Amos and would be utterly heartbroken. We recommend Embrace to *all* our friends/family with pets.
5

out of 5

POSTED: | BY: Kathy S

You're the Best!

I've had plenty of experience with other companies and also Embrace. By far, Embrace is far superior. When my little mix Cindy got sick suddenly, I took here to the vet ER here and they had to keep her for 3 days! Probably something she ate at the beach, but she needed IV because of vomiting and she actually nearly died. I was able to put my mind at ease and let her have the best treatment without a second thought about cost. So many times, I have friends that comment on the cost of vet treatments while their precious ones are sick or injured. I am so glad I can give her my entire attention and let Embrace worry about the cost. Cindy is fine now and she tries to stay out of mischief but, after all she is a lively little girl so we really thank God for Embrace. They will be a part of our lives for a very long time. I also hope people check out the preventative care deal. Pay ahead and get a discount for that too! How great is that. We love you Embrace!!
5

out of 5

POSTED: | BY: Laura

I absolutely recommend Embrace!

Zuma has had three expensive surgeries/imaging scans over the last few years. Embrace has come through for us in each of these situations. The peace of mind in knowing we have great coverage has made it easier to deal with the costs of owning a dog with medical issues, and has allowed me to focus more on her well-being than the cost of treating her. Thanks Embrace!

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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