Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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.
3

out of 5

POSTED: | BY: Robert Cook

Reimbursement and category of illness confusing

You advertise 80% reimbursement on claims, but I have been normally receiving about a 33% reimbursement, Also, my dog has had a couple of ear infections, and you didn't pay anything on the claims, stating that an ear infection is a skin condition. I can't imagine why that would be a skin condition, and my Vet agrees that an ear infection should not fall in that category. In fact, on the bottom of this form, you list ear problem and skin condition as separate illnesses? I seriously considered switching to another insurance provider, but decided to give your company another chance.
5

out of 5

POSTED: | BY: Alice Clark

I recommend dog insurance to everyone

Embrace has covered my 4 Bernese Mountain Dogs for several years and I have always been very pleased with their service. Many times the question comes up "Should I get dog insurance?" I always say "yes" and always recommend Embrace. They have covered everything. No exclusions. They cover many "alternative treatments". They pay promptly and if I ever have an issue or a question they are easy to reach by phone.
5

out of 5

POSTED: | BY: Ashley Goshorn

We love Embrace!

Embrace has been very helpful and friendly throughout my recent experience! I am impressed with the prompt responses and organization. My dog, Ella, and I truly appreciate such a positive experience. Ella recently underwent ACL surgery and Embrace was there every step of the way!
5

out of 5

POSTED: | BY: Darren

Amazing support

Embrace has been fantastic in every way! Couldn’t be happier with the service and support we have received!!
5

out of 5

POSTED: | BY: Randy Pickard

Relief to have Pet Insurance

Our Boxer was very sick having Embrace which was recommended to us from a friend made the hospital stay a little easier for us without the total burden of the bill.
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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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