Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

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: Karin Murphy

What a blessing to have Chloe covered by Embrace

Thank you for processing and covering Chloe's unexpected episode of vomiting! This was the first time this has happened to her and we were so concerned! What a blessing and peace of mind it gives us to have our baby Chloe covered by Embrace for nearly 5 years now!
5

out of 5

POSTED: | BY: Lindsay Pearlman

Have been a huge help!

Embrace has provided us with everything they promised when we signed up. Little did we know that our 10 week old puppy would have severe orthopedic issues, but with security of having pet insurance like embrace we know we can afford the best care for our dog. They always cover what they say they will, I have never had to challenge a claim, and they are very efficient in refunding the money back into my bank account. My most important tip is to get the orthopedic exam and waiver to the vet as soon as possible.
5

out of 5

POSTED: | BY: Sherry Hill

AWESOME

What a great expeirence. The piece of mind that you give pet owners is priceless. The process was easy a bit of extra paper work in the beginning but after that easy as can be. I truly appreiciated the update emails that I received from the Embrace staff. I feel as if everyone at Embrace truly does care about my puppies and me. Thank you for your dedication and passion to pet care.
5

out of 5

POSTED: | BY: Kate

UTI Prone Puppy

Our lovely swissy puppy is generally very healthy, however, she has had some chronic UTI issues. After several rounds of testing, medications, and office visits this minor issue has become fairly expensive. The claims staff at Embrace is WONDERFUL and claims process was very easy. The most difficult part was working with our vet to have the proper forms filled out (which is outside of Embrace's control). Our claims were processed in a timely manner and a very detailed report of coverage was provided via email for each claim. There was no confusion or concern on my end since the information being provided was so clear and easy to read. Although we hope never to use the coverage for anything major I'm confident that if that should happen embrace would continue to be wonderful. We are so thankful for the coverage provided by embrace.
5

out of 5

POSTED: | BY: Diane Cerf

Buddy

I so appreciate this insurance! They are by far the best. Buddy has had issues over the timeframe that I have had this insurance and I have never had one issue with them. They have paid just like they say they will. Buddy had a hugh surgery TPLO (torn ACl) on his back leg which this company paid 80 percent. I thought that maybe they would not re-sign us as it is very possible that Buddy could possibly need another surgery. But they did without questioning. They are the best. I recommend them to everyone I know including our Vet.

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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