Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Tiffany Orr

I tell anyone who will listen how great Embrace is!

My mini schnauzer, Stella, has been insured with Embrace since 2009 after tipping over a trash can and eating chunks of fat that had been trimmed from a pot roast. This triggered a pancreatitis episode. I realized how important pet insurance is when I saw the pet emergency hospital bill. I had to apply for Care Credit to pay for her treatment and wondered what I would do in future emergency situations. While researching different pet insurers, I came across the Embrace website and was impressed by the positive reviews. I was also very impressed with how straightforward Embrace is with what's covered and the fact they reimburse claims based on the actual invoice. I took a chance, obtained the quote, and enrolled in the coverage. It's been 8 years, and I am so happy with Embrace! The ease of claim processing, timely reimbursements, and excellent customer service have far surpassed my expectations of what an insurance company would provide. This is why I tell anyone who will listen how great Embrace is, and I’ll be an Embracer for life!
1

out of 5

POSTED: | BY: Kathy

Worst company ever

Impossible to imagine dealing with a worse company. Giardia and 3 rounds of meds. Embrace demands records 3 times from vet. After finally covering vet visit and medication, then denies coverage for fecal test to confirm cure as “wellness”? Yeah. We just like trundling back and forth to vet with poops for kicks to randomly test dogs after illness. More back and forth via email and calls. Erroneous answers, lectures on policy terms from claims people. Further vet records. Finally, admission that claims examiner made a mistake and needs training. All over about $100.
5

out of 5

POSTED: | BY: Rita

Great

Embrace has always been awesome and my experience with them has been great. Always get my claim done quickly. They are great!!!
5

out of 5

POSTED: | BY: Debra Sabo

Too many raisin cookies!

Our claim was processed very quickly. The representatives are always so kind and helpful. Glad we have this pet insurance.
5

out of 5

POSTED: | BY: Claudia Ionescu

Very happy , great experience

Very very happy with Embrace throughput the whole process- submitting claims, reviewing the status on line,short processing time and of course no surprises with the coverage. Having two kitties with serious conditions : cancer and kidney failure I am so happy I enrolled them years ago. Thankfully there are great treatment options available but without insurance, without Embrace would have been impossible to keep up with the bills Any pet parents who loves their furry kids should have insurance for them. Imagine the heartbreak of having a sick pet, and not being able to afford the treatment.
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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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