Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,158

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: Helena Cisario

Helena Cisario

Very satisfied. Claim handled in a timely manner. My other Pet insurance company took at least 1 month to settle claim. Customer service employees very courteous and friendly.
5

out of 5

POSTED: | BY: Lize Kragh

hassel free worry

I LOVE Embrace! Kava (my jindo) was hit by a car, and I was so thankful for Embrace covering all of his bills. Embrace is simple, reliable, efficient, and most of all - trustworthy... Thank you Embrace!
5

out of 5

POSTED: | BY: Sasha Lamoureux

We love Embrace!!!

We've been with Embrace since 2009.Our little Doxie Zuzu wouldn't want any other pet insurance company (neither would her human-companions) helping her to remain healthy and happy. Having a Vet you know, trust, and use for your pet's primary health needs is essential. Having a pet insurance company that truly understands this and sticks with you every step of the way is the next most important thing; Embrace does just that. Luckilly for Zuzu, she hasn't had any relapses in her health since a benign mass was discovered in her spleen two years ago and needed to be surgically removed. Embrace, despite our being very new to their insurance, didn't hesitate to review her case and cover the costs at close to 90%. While we would have paid out the money to Zuzu's vet in a heartbeat (because we can't attach a price tag to our love for her), it was a couple thousand of dollars!!! Embrace made sure we could focus on Zuzu's well-being and recovery, not on our bills and finances. That was huge relief and very appreciated. Today, we continue to get Zuzu her routine annual wellness check-ups and keep her up to date on heartworm testing and vaccinations. Embrace's wellness plan covers a maximum of 200$ annually per policy period for this type of health maintenance. That's a tremendous relief on our wallets, and we have the peace of mind that Zuzu is being taken care of as best as possible. If you're shopping around for first-time pet-health insurance or perhaps you're cons
5

out of 5

POSTED: | BY: Joy DeWitt

Embrace is the best! They cover genetic conditions

Before bringing our Great Dane puppy home, I did extensive research on pet insurance knowing that I would be living with a pure-bred Giant breed that is prone to many genetic conditions. I chose Embrace as they cover genetic conditions and now that Scout is 7 1/2 months old, she has already had 2 illnesses that are attributed to her breed as well as other health conditions that come along with puppyhood. Embrace has been wonderful in processing the claims quickly, putting together pre-certifications for surgery (she has had 2 so far) in under 5 days and sending our reimbursements in a timely manner. When I have called Embrace, the people that I have spoken to are knowledgable, caring and extremely helpful in answering any questions that I have had.
5

out of 5

POSTED: | BY: Lynn-Ann Gries

Greatest Pet Insurance company EVER!

This is the most straightforward, know-what-to-expect company i have ever dealth with. the explanation of benefits is clear and easy to understand. Embrace could certainly teach the health insurance industry a thing or two (or three) about customer service!

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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