Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Lilly

Smooth process for getting it quickly done.

Ruby has been very healthy. She suddenly developed symptoms that couldn't wait for the vet, and we took her to an emergency clinic. It was a good thing we did. It was relief to know we had pet insurance. Now, I am very relieved that we had Embrace. Their process for submitting claims is smooth and easy. Within days of submission, we had the results, which were what we expected. I can tell you the insurance we had on our previous Rottweiler was an entirely different story. I highly recommend Embrace. Good customer support. Customer portal.
3

out of 5

POSTED: | BY: Andrea Fletcher

Worst experience so far

After a freak accident at the dog park my dog was limping badly. I rushed her to the vet to check if anything was broken. This has never happened before and my dog has never limped in the almost 2 years I’ve had her as well as a plan. I’ve been with Embrace since I rescued her and never had a problem with claims until now. I understand for orthopedic issues they need more info but waiting almost a month to review a claim is ridiculous. Poor Libby is still limping but I can’t afford to take her to the vet if it’s not covered. Customer service was great but not impressed with how this was handled by Embrace as a company. I was going to recommend Embrace to a friend of mine but after this experience I don’t think I will
5

out of 5

POSTED: | BY: Marcie

Easy to work with, worth every penny.

I've had a policy on my Great Pyrenees since I got her at 7 weeks old. The cost is reasonable and the Healthy Pet Deductible credit helps make the monthly cost stay reasonable as she gets older. I also have a wellness plan on her, which covers her yearly vet visit and has enough left over to cover some of her flea & heartworm preventative. Submitting a claim and getting reimbursed is easy with the electronic submission and direct deposit options. I will use Embrace in the future for my pet insurance needs.
5

out of 5

POSTED: | BY: Victoria

My dog just had Surgery to repair a…

My dog just had Surgery to repair a torn CCL and the process of getting my claim preapproved and then reimbursed was seamless. I am very pleased with my experience with embrace and will continue to be a loyal customer.
5

out of 5

POSTED: | BY: Heather Anderson

Reasonable premiums, quick service

The premiums remained reasonable during the 7 years we used Embrace, and the claims were paid out in a very reasonable amount of time.
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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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