Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,243

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: Jan Miller

Best Pet Insurance!!

Embrace handles all of my claims with no problems at all. I love that you can customize your plan and can go to any vet of your choice. This company is really the best. I highly recommend them to everyone I know and hope they continue to do good business and that more people find out about them.
5

out of 5

POSTED: | BY: Irene Fuller

Amazing

Our Max, golden retriever was diagnosed with osteosarcoma in January. He just finshed his final chemo treatment after amputation of his rear leg. Embrace was amazing. I hadnt gotten his orth report in to them, although Maxs vet had checked him. They retroactively accepted the vet report thant he was healthy in November and approved claims for the amputation and 5 chemo treatments. Almost $10,000 worth of claims. They are prompmwith payment and ever so kind and supportive.
5

out of 5

POSTED: | BY: Mary Hurst

Way better than my last company

I cannot speak highly enough of Embrace Pet Insurance...and their staff. We've carried pet insurance on our dogs since 1990. Back then, there was only one pet insurance company...one did not have a choice. We do now! Our dogs issues have included pancreatitis, estrogen toxicity, embedded foxtail, cysts, and canine alopecia. Have one scheduled for dental work (broken tooth) and lump removal next month. As soon as they receive the claim, they notify me and it's easy to check on the claim process. Once our deductible was met (which didn't take long) - the reimbursement check from Embrace doesn't take more than a couple of weeks. Timely and courteous service.
5

out of 5

POSTED: | BY: Nora Albert

Easy process, excellent support and paid promptly!

Out of nowhere our dog Gracie developed disc disease which caused excruciating pain. It was a Sunday so we had to go to our nearest emergency hospital. They did an x-ray and their diagnosis turned out to be right but they they did bloodwork to rule out a tickborne illness. They gave us pain meds, recommended strict crate rest and told to watch for neurological signs. That visit was close to $1,000.00 Sure enough within days she started doing this weird cross-leg walking so we went directly to our vet who said it's either surgery or euthanasia. We then rushed to a facility where she could have the surgery. The neurosurgeon went over the cost - more than 5,000.00 - and we were able to say yes without second thought because we had insurance. When we told them it was Embrace they literally clapped! She had an MRI, surgery and a few days of hospital care. I submitted claims to Embrace and am getting reimbursed as promised without a single road block. If only human insurance could be as good!
5

out of 5

POSTED: | BY: Susan

We are so thankful for Embrace Pet Insurance

Taz is a two year old German Shepherd Dog. She is THE best dog ever! But German Shepherds often have health related issues and Taz is not exempt from them, unfortunately. But fortunately, I discovered Embrace Pet Insurance a few years ago and I would highly recommend them to anyone with a pet. It has saved us thousands of dollars in expensive treatments for poisoning (digesting a toxic plant), GI problems, etc. But I also enjoy the benefits of the Wellness plan to cover special dog food and routine pet medications and spaying, teeth cleaning, etc. I am truly thankful for Embrace and will continue my relationship with then throughout Taz's life!

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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