Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Amanda

Embrace: You are the Best

Embrace Pet Insurance is amazingly easy to work with: easy to file a claim, easy to check on the claim, and quick to process it. It was also easy to iron out a few paperwork wrinkles with the Embrace staff (the few times I've had to do it) -- just simply reply to an email to clarify, and they take care of the rest. Embrace is affordable; we've ensured multiple dogs for many years now at what I feel like is a low cost, given that dogs are obviously the best thing on Earth. While the younger dogs don't often meet their annual deductible, the very very best thing about Embrace is that if they do -- the financial worry is taken out of the equation. My geriatric soulmate dog was ensured by Embrace for many years of her life, and as she deteriorated in her 14th year with disk disease and renal failure, it was so incredibly comforting knowing that Embrace would cover our vet visits, including consults. It was difficult enough to face her end-of-life care, and not having to worry one second about finances it made an incredibly stressful situation way less stressful. Thanks, Embrace!
5

out of 5

POSTED: | BY: Kimberly

Excellence at its best

Embrace is a company you can trust! They will help you every step of the way and process claims so fast. Place your pet in the best hands. Thank you Embrace.
5

out of 5

POSTED: | BY: Clifford

Lifesaving

I first enrolled in Embrace for my mastiff pup, but shortly thereafter added my old man beagle just for completeness. It turns out to be one of the best decisions I ever made for his care. My little man had en extremely rough time this year, suffering from bloat and later developing seizures. Trips of the ER are never easy, but at least I could make decisions based on his quality of life, and not the limitations of my wallet. Embrace has always been easy and accommodating for the small things: wellness visits, the odd ear infection, etc. I wasn't sure if I'd get more push back or hold ups when it came to big ticket items like emergency surgery and MRIs. As it turns out though, the answer was no. Everything went through just as smoothly as normal, my boy is alive and well, and I didn't have to mortgage my house to see that happen. I cannot recommend Embrace more highly. They've been fantastic beyond words.
5

out of 5

POSTED: | BY: Michael

Great to work with and always accommodating

Anytime I have called with questions everyone is extremely courteous and educated. Pleased working with all
5

out of 5

POSTED: | BY: Silvia

professional customer service and fully responsive to all claims

A member for nearly 7 years. Participate in their wellness program which results in their paying me a few bucks for doing what I would normally do for my dog, a wellness check every year. Their adjudication of claims is timely and correct. Only had one incident were I disagreed whether the claim was for wellness or illness and after I provided additional info they changed it to my satisfaction. Customer representatives are always professional and courteous. Best decision I could have made to go with Embrace.

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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