Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,286

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: Natalie

Lifesaver

Charley tore her ACL and had to have surgery that was $4200.00, we are so happy for Embrace and so glad that we have insured both of our dogs. The refund was approved quickly and is in the mail. It really gives piece of mind knowing that the dogs are covered and in the event they need major surgery or something costly Embrace has your back! Thank you!
5

out of 5

POSTED: | BY: Danette Wipfli

Embracing and trusting pet insurance

Choosing to become owners of two dachshunds was an immediately happy endeavor. However, the reality of the responsibility of financially caring for them and the probability of them needing care for back trouble caused us concern and fear that we would not be able to afford to give them the care they need and deserve. Embrace Pet Insurance has been easy to implement, has been 100 percent true to their word, has provided excellent customer service. Our first claim is for our 7 month old pup Arlie who injured his growth plate in his leg joint causing him obvious severe pain. Our claim was reviewed and applied within three days. We are set up as direct deposit which again makes the process simple. I provided the claim form to our vet and they filled it out and faxed it over. Easy, simple, and effective. Thank you Embrace for being one of the best decisions we have made for our fur babies!
5

out of 5

POSTED: | BY: Chris O

Quick,understanding & you always get a real person

We took out our policy for Angus (English Mastiff) with Embrace after doing a due diligence search of all available programs. Never did we think we would need to use it. Angus has now taken ill and Embrace has been there to quickly process our claims. Each time we call with a question Embrace's representative has been outstanding! I have recommended Embrace to anyone that asks about pet insurance. Thank you for knowing while our circumstances may not be new to you it is new to us.
5

out of 5

POSTED: | BY: Nora Drye

Glad to Have This Insurance

I have never had pet insurance before and I really don't know why. I've been very fortunate with my pets through the years and have never had a seriously expensive surgery or accident. I am a former Vet Tech, so getting a little break from my employer was very helpful. But, I am retired from that field now and the cost of veterinary care has gone up so I took the chance with Embrace. I am very pleased with their quick responses and explanations and I believe they are a company that can be trusted. I'm very glad I got the wellness plan along with the accident plan and was able to get my pet's teeth cleaned. I have recommended them to my family and friends.
5

out of 5

POSTED: | BY: Michael &

Tucker ate a towel!

awesome.....quick turnaround on payment......delivered as promised! 3 year old Golden Retriever...Tucker, ate about 25% of a bath towel. We had rolled up a towel to keep the draft from the front door and unbeknownst to us he chewed it causing severe vomiting and resulting in abdominal surgery! 2300.00 bill and our policy covered 80% and paid us in two weeks! Thank you Embrace for making a difficult time so much easier! The Villa's & Tucker

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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