Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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: Dale

The greatest thing I ever did was get a policy for my dog. With Embrace the claims process was super easy and I had no problems

My dog developed diabetes and a few months later he developed Cataracts. Embrace covered the costs of the insulin and the cataract surgery so my little guy could see again. If they weren't able to do that I might have had to put him to sleep. While blind he was a small shell of the dog that he was and I wouldn't have been able to make him live like that.
5

out of 5

POSTED: | BY: Robin

I would recommend Embrace ins.

I have been pleased with the results from Embrace. They are quick about processing claims. I like the process of the reimbursement being deposited in our checking account.
5

out of 5

POSTED: | BY: William

Straight Up Front and Honest

We have a 10 year old Golden doodle. She is in good health. We had a neighbor recommend this insurance and our eye vet also raved about it. We found Embrace had the best annual fee and 80% plan with a $750.00 deductible. I assumed we would not need it as she was well. One day on October 10th without any notice or symptoms, she became lethargic, unresponsive and labored breathing. Within 8 hours of the onset of this illness, she was found to have a grapefruit size mass growing on her spleen. Worse it burst open and she was about to die due to internal bleeding. Because we had insurance we opted to try and save her and emergency surgery performed. It is now 3 weeks later and she recovered, tumor was benign and best of all Embrace paid the claims without hassle. If we did not have insurance we would have put her down. The total bills were around $6500.00, not cheap but after we met our deductible they swiftly approved and paid the remainder at 80%, no questions asked. This illness was very unfortunate. I hope they will renew me after our year is up! If they do and don't jack up my rate, then this company may be the best ever. I read on one review before buying, pet insurance is actually "economic euthanasia insurance". It very well was indeed and now we have our dog back hopefully for several more years. Thanks Embrace.
5

out of 5

POSTED: | BY: Theodore

Nice to have pet coverage.

It’s nice knowing that your Other other child in the fam has health coverage. Especially living out in the country an all. Mighty pleased with this company so far. Nothing bad had happened I hope it stays that way as well, and customer service is super relaxed an chill.
5

out of 5

POSTED: | BY: Stacey

Thankful for this company

I can't say enough how thankful I am for Embrace. Our dog passed away a couple weeks ago. We've had insurance with them pretty much since we adopted him about 10 years ago. He has had some issues here and there, and Embrace has always been prompt and clear in providing coverage, explaining what they covered and why, etc. The staff has always been great about responding to questions I have. The most impressive thing to me, is when our dog passed away, the staff was SO KIND to us. Losing a dog is losing your best friend, so things haven't been easy, but the staff sent us a hand written condolences card, they made a donation in our dog's name in memory of him, and in every correspondence they have been so kind and respectful. The end of a pet's life can also be filled with a lot of medical bills, so having Embrace has been so helpful to us financially at this time. If we ever decide to get another pet, we will be going with Embrace. Thank you all~

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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