Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,286

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.
4

out of 5

POSTED: | BY: Dale Content

Thank Goodness I bought it!

I was looking for major health coverage for my two Shih Tzu's at 4 months of age. I didn't take wellness or drug coverage.At 14 months, my female got sick and was diagnosed with congenital liver problems. After a $6,000 plus major surgery I was thankful I purchased the insurance. Embrace paid promptly and fairly for the coverage I purchased. The deductible you choose is important. I got a $300 deductible and didn't reach it for the healthy dog, but just the diagnostic tests for the sick one was over $400!
5

out of 5

POSTED: | BY: Lou Ann

Finally a great Pet Plan

I had my first claim with Embrace when my best little four legged buddy scratched his eyeball chasing lizards or something and all the claims were handled very promptly and I actually got a check!! Something that never happened with the old plan. I am so happy and I am telling my pet loving friends to use Embrace.
5

out of 5

POSTED: | BY: Stephanie A.

Efficient & Prompt

All aspects of my dealing with Embrace have been above & beyond my expectations. KUDOS!!!
1

out of 5

POSTED: | BY: Joe

Not as Good as it Sounds!

We have two dogs and just attempted to file our first claim after two years of having coverage, 1st they wanted all of the medical records for the year before we got our dogs (we got them at 8 weeks of age), then they needed detailed records for every vet visit to make sure there weren't any reasons to exclude the latest claim. One excuse after another to avoid a claim. Then it was the terms and conditions list that excludes claims for certain events. I'm really glad my health insurance isn't this poor or I wouldn't be here to complain! AVOID!
5

out of 5

POSTED: | BY: Bobbie McClain

Still the best!!

We have had other pet insurance and I did a lot of research before choosing Embrace for our now four year old Boxer/Bulldog mix. The personalized, friendly service of Embrace is the best we've ever received. I have recommended Embrace to our dog park friends and to our local vets. Thank you for helping us feel secure in knowing that we will have the help we need if/when we need it to make the best decision in caring for our beloved pup.
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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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