Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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: Victoria Oppenheimer

Two For Two

Last year, thanks to your coverage, we were able to save our cocker spaniel Annie when she developed a severe form of anemia requiring transfusions as well as some pricey medications. This year we were able to get our cocker spaniel Jennie up on her paws when she ruptured a disc requiring spinal surgery. I have called your office on many occasions stressed out and in tears to be told by your rep, "don't worry....we have her covered." I can't imagine having pets and not having you! I carry your flyers with me so I always have some to give out. You are a blessing in every way.
5

out of 5

POSTED: | BY: Kim Bender

Peace of Mind and Convenience

After the challenge of attempting to manage the expense of both planned and unplanned vet bills with two other beloved dogs, when we got a new puppy last year we decided to enroll in a pet insurance plan. After much research and comparison we chose Embrace and have not our choice. The premiums are reasonable and the peace of mind is invaluable. We no longer have to postpone a vet visit and have our Bailey suffer needlessly because it is not in the budget. The plan we chose includes some routine wellness coverage. Although Bailey is currently healthy, those annual vet visits with tests and vaccines can add up. Simply download a preprinted claim form, have the vet sign it, submit and that's it. It was nice to get that $200 reimbursement check so soon after the appointment.
5

out of 5

POSTED: | BY: Jaqueline

Wellness

I took Layla in for her yearly check up and vaccinations. Thankfully, all went well and there were no surprises! The vet submitted my claim and within a couple days I received my reimbursement for the wellness visit. It was easy and quick.
5

out of 5

POSTED: | BY: Melissa

Embrace pet insurance for our English bulldog

Embrace has been nothing but fantastic. Great coverage, great customer service and great communication. We appreciate it all and because of this, are now loyal customers as well. We are thrilled to have gone with embrace and have had such a good experience as we were unsure of even getting any policy. Nothing but the best recommendation!
5

out of 5

POSTED: | BY: Izzo

Dermatitis

Our bullmastiff has been scratching alot and has some small bumps all over him. We took him to the vet and he has some allergies which they prescribed antibiotics and a steriod. Embrace took care of the vet and med's.

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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