Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,413

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.
1

out of 5

POSTED: | BY: mary roussas

very unhappy

my cat has an extreme flea allergy and his dermatological result is extreme. I was told (pre-insurance) that dermatology was not covered. Ok, I understood no dermatology, then he came down with a gross hematoma in one ear--embrace said this was the result of him shaking his head due to an ear infection--(which they defined as dermatology) and none of the treatment for the hematoma was covered. Hair-splitting, vet felt so, there were no fleas involved with his ear problem.claim denied--first claim in 1 yr with 3 animals.
5

out of 5

POSTED: | BY: Gayle Mickalauskas

Insurance removes all cost surprises.

I am glad that I got the insurance for both my dogs. I dont ever want to give them less care than they deserve because the cost is more than I can afford. The insurance gives me the option to take care of my dogs without the worry of a large bill from the vet.
5

out of 5

POSTED: | BY: Tim

Thank you Embrace

We are so happy to have health insurance for our Boxer Max, without embrace we would be paying off credit card bills for years!!! They saved our doggy and our wallets!
4

out of 5

POSTED: | BY: Kathy

Quick Reimbursemen

After my last dog, I decided to get pet insurance as soon as I got my new dog. I checked out several companies and liked Embrace's options the best. I signed up for the medical and the wellness options. The wellness portion definitely pays for itself every year, with the annual physicals and vaccinations, etc. The medical portion I've fortunately not had any catastrophes yet, but on the illnesses that have taken me to the vet, I get a partial refund on most. Obviously the real reason is in case she needs surgery or something else major. So all in all, I'm very happy with Embrace.
5

out of 5

POSTED: | BY: Ruth Byrne-Quinn

Our dogs strychnine poisoning

Our dog Polly collapsed at home and was immediately taken to South AZ Vetinary Hospital she was not expected to live. After 3 days in intensive care we were able to bring her home where she continues to recover.She received excellent care. We were pleased with Embraces' insurance and prompt payment. We have reccomended you to other pet owners.
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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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