Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,979

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: Janice Thompkins

Embrace is the best!

After days of researching Pet Care Insurance, we concluded that Embrace was exactly what we needed. Now more than 2 years later we are so very glad we chose Embrace. With 4 dogs, 2 of them being Saint Bernards which we brought into our family at 10 weeks, we did not anticipate any health issues. Embrace has been there for us at every event and has not once questioned our need to seek medical care for our family of furry friends. Both of the Saints have had to have eye surgery and elbow surgery on both elbows. Our Mini Schnauzer has developed extremely hard to control diabetes and is scheduled to have cataracts removed from both eyes.The research my wife did led us to understand that Embrace was unlike other Pet Care Insurance companies. Embrace actually pays according to the charges and not according to a schedule that has been predefined. As most of us know, an ear infection or allergy for a Saint Bernard is somewhat more costly to treat than the same for a Dachshund. The cost of caring for each breed is somewhat different and therefore does not fit into a one size fits all schedule. Additionally, the staff at Embrace is very helpful and always courteous. Ever ready to answer questions and walk a client through all situations. We recommend Embrace without reservation to everyone looking for pet insurance. For us it will always be our choice.
5

out of 5

POSTED: | BY: Patricia Choquet

Love Embrace!

My poor dog has epilepsy! But thank goodness I got insurance for my dogs when I got them. Embrace has been a lifesaver! I am able to take care of my dog and not worry about the costs!!!! Embrace has been very fast refunding all of my claims. I have a lot with all the meds and tests. Thank you Embrace!!!!!
5

out of 5

POSTED: | BY: Shelly Rusk

Excellent

After several years with a different insurance and so many hassles, I switched to Embrace. I am so glad I did and wish I had done it sooner. I so pleased with their responsiveness, helpfulness, and always keeping me informed. The coverage is better and the cost is cheaper! Best switch I ever made.
5

out of 5

POSTED: | BY: Dave Snyder

Better than Expected

Great options, terrific follow through, and incredible communication from the staff. The investment is paying off not only financially, but emotionally. I know we are in great hands.
5

out of 5

POSTED: | BY: Elizabeth Wagner

Embrace made it easy.

My 2 puppies were just neutered and spayed and Embrace Wellness covered it right away, no need to wait. The forms were super easy to fill out and Embrace follows up with very friendly and helpful e-mails. My claim was paid fast, too, directly to my bank account in about 2 weeks after filing. Fast and easy. Thanks Embrace!

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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