Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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 Klein

Easy claims and fast payment.

Easy to submit claims. Approval took less then a week and payment came in less than 3 weeks. Covered $5300 of a $7200 emergency surgery. My dog is alive and i never had to worry about extreme costs.
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5

out of 5

POSTED: | BY: Steven Soares

The Best Pet insurance

I'm sure there are a number of pet insurances out there, but Embrace quickly processes their claims and makes the payment as quickly as possible - for both wellness and other medical claims. Their service is easy to use and they provide you with updated forms each year you continue with them. I plan to stay with them for a good, long time. They are the best pet insurance to me!
5

out of 5

POSTED: | BY: ROBERT CAREY

I chose Embrace pet ins. for my dog several years ago and I am very satisfied with my decision.

I would recommend Embrace to anyone looking for insurance for their pet. Great company to deal with. Quick turn around times and great coverage.
1

out of 5

POSTED: | BY: Danielle Dorn

Worse experience I have ever had

I have a healthy dog who is 8 years old. She recently went to the hospital for bloody stool, diarrhea, and excessive dry heaving. Similar symptoms to a blockage in her intestines.. it was very scary as she is normally a very healthy happy pup. Thank goodness- there were no serious issues. She had a bunch of tests ran and the vet bill was approximately $1000.00. The claim was denied because my dog had gone to the vet for throwing up and having diarrhea in the past (not to mention she wasn't throwing up- she was excessively dry heaving this time). EMBRACE claims that having diarrhea is a preexisting condition-- I disagree- it is a symptom of being ill which is why you take your dog to the vet. She was given an actual diagnosis of Acute Gastroenteristis. She was given a clean bill of health from all blood tests and x-rays. Yet- they will not reimburse. I am dropping the insurance and completely disappointed in the experience. It feels very fraudulent. I warn anyone who thinks dog insurance is a good idea- it is not. They take your money and give you nothing.
5

out of 5

POSTED: | BY: Lisa Perna

Excellent fast insurance

Our 5yr old black lab mix has had 2 TPLO surgerys for a torn CCL.Every claim has been expedited and easy! Embrace is a wonderful company to work with
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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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