Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,243

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: Michael F

Injury Claim - Easy

My pooch had been limping for a while - initially we thought it was a broken toe, but when he was x-rayed it turns out there was some gravel that got buried in his pad and was stuck there. After removal, he got better quickly. The Embrace claim was easy - took a *little* bit longer than I would have hoped, but it was all hands off -they handled all communication with my vet and I got exactly what I expected in reimbursement. It was a relief!
5

out of 5

POSTED: | BY: Chip Cenci

My Tabby Wilma

My cat got sick, I was not sure what was wrong but she was lethargic and was not eating. I took her to the vet (I finally found one that is caring and honest)she recovered and I submitted the bills and got reimbursed quicker than I ever thought and it was pretty simple to do, no muss no fuss. I checked the status online and bam the money came in the mail. It was that simple. Frankly I was quite skeptic of this as I heard some stories around but this company made me loose all my fears. I believe there might be a waiting period before you can claim, but I'm not sure. I have that with my private humana dental insurance (you have to wait a year before you can use it) but I don't think its not the case with Embrace, they just check prior illness and if the pet has had it within the same year its not covered I believe but that's mostly the same with all private insurances mostly. Any way I think this company was one of my best decisions I have made regarding being overly pre-pared as I tend to be sometimes. Buy it you wont be sorry.
5

out of 5

POSTED: | BY: Hilda Medina

Pet Insurance... So glad I got it!

This review is for overall care for my dog. The total amount is for the amount accured over the past year... At the beginning of 2014 I decided to get pet insurance for two of my 3 dogs. The third dog has hip issues, and I didn't think having insurance would help her... I am going to add her in when I renew. I believed I was never going to need the insurance. Boy, was I WRONG! In July, Eve, my youngest St. Bernard started vomiting blood! She's had multiple meds, multiple Dr's visits, and tests (including an EGD, with a biopsy). The Dr. says she has IBD, and thank God... no cancer cells were found. The Dr. is hopeful some new meds might help her feel a lot better. My poor baby went from 100 pounds, down to 88 pounds. There is nothing more pathetic than a skinny St. Bernard. She's my forever puppy. She's my helper. When she felt better, and I couldn't get up from the floor, she would come over and stand sideways allowing me to use her hips, and shoulder as leverage to stand up. How could I not help her after she helped me? Embrace has made treating her not such a financial burden. The money I put into the insurance was the best money I could have spent. Knowing I was able to treat her... has put me at ease. Thank you, Embrace! I am so glad I chose you!!!
5

out of 5

POSTED: | BY: Kathy Lothian

Love this company!

My beloved labrador retriever is the third "child" in our family. At 6, she was in pain every day from bilateral rear ligament tears. We were able to afford the surgery because of this insurance company. We were reimbursed as promised with no arguments or questioning. I would recommend Embrace to anyone who owns a pet.
5

out of 5

POSTED: | BY: Judith

Excellent Company that Cares!

Our 2 dogs (Great Dane and Rott/Shepherd mix) have been covered by Embrace for years. We have never had to think twice about getting them the care they need. Embrace always sends payment quickly and even checks to make sure we got the check! Wow! If you are thinking about insurance for your pet. Stop thinking about it and sign up with Embrace. No question. Best company out there.

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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