Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,249

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: Tracy G.

Labs will eat anything

Our chocolate lab got into some form of mold or mushroom spores and became ill. Knowing we have Embrace made paying the bill so much less stressful. We had our payment within two weeks. We are very pleased with the personal attention we get from Embrace and the speed with which we get reimbursed.
1

out of 5

POSTED: | BY: Dawn Forsythe

Stops approvals when you hit deductible

My 16-month-old collie has persistent giardiasis. Embrace approved the claim when my vet reported it as "Gastroenteritis and Giardiasis", but the exact same problem (one time called "diarrhea and giardiasis," and the other time called gastroenteritis) was not approved. It appears they decided not to cover it as soon as I hit the deductible.
5

out of 5

POSTED: | BY: Kim S.

Small Problem-No Worries!

My 5 yr. old yorkie loves snacks and we love giving them to her. We recently discovered that we were giving her too many of the wrong kind. We noticed she had developed terrible breath and passed it off as a dental problem...not so! We found out that her liver enzymes were very elevated and she could develop pancreatitis. Well, it was an easy fix (lay off all of the fatty food and snacks) and Maggie is feeling much better. The Embrace team make it so easy to process a claim and they are always there to follow up and answer questions! SO GLAD we are "Embraced"!
5

out of 5

POSTED: | BY: Amy Camp

Best decision I've made in a long time!

I have a senior dog (approx. age 12 years)and, although her overall health was very good at the time, I decided to investigate pet insurance companies. Embrace gave me the best rates and coverage, so I signed up with them and a few months later my dog, Chelsea, started acting really lethargic. After tests, it was revealed that she had hypothyroidism and needed to be on medication for the rest of her life. The tests to determine this were expensive and my co-pay of $500 was applied. I have had a total of 3 claims for her, and EVERY time, there was something that was covered and reimbursable. I am so glad I made the choice to go with Embrace!
5

out of 5

POSTED: | BY: paul spack

impressed with the professionalism and quick atten

very impressed with the professionalism in taking care ofour medical claim for Paula.
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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 detail
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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