Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,914

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.
1

out of 5

POSTED: | BY: Rachel

Mistake

Wow do I feel dumb! I usually don't make big mistakes but this time I did! I chose Embrace for my sweet pup. Incredibly disorganized, getting the dogs birthdate wrong, claiming a microchip is a prexisting condition among other things and mistakenly would not cover a claim....woops, now they are covering. Canceled policy and moved over to another company. We've had six dogs over the years and thought we should try a new insurer...mistake.
5

out of 5

POSTED: | BY: Reba

Great Company

We have used Embrace for several years now and have been very satisfied with them. They have several policy options to choose from and we chose the accident and illness coverage which we have needed several times including few major surgeries. The claim process has always been easy (I used to email the claim form but now I just ask the vet to fax it) and the communication works well. The premiums seem to go up every year but the older the dog gets the more health issues he has so it is nice to know you will be covered. When one of our dogs passed away Embrace sent us a hand written card which was really nice touch, we appreciated it a lot. During the years we have recommended Embrace to many of our friends and family.
5

out of 5

POSTED: | BY: Sheryl

Satisfied

We currently have three Corgis insured. They have had kidney stone removal, neutered, teeth removal, training classes, pulmonary problems, and monthly medications. All of which have been covered. The comfort of knowing our fur babies are covered helps with making easy decisions when it comes to their care. There are a few things that are considered pre-existing and a little frustrating because allergies and back issues are a constant issue to be taken care of. The best advice is to make sure that when you get a puppy you get it insured. We wouldn't be without it.
5

out of 5

POSTED: | BY: Wendy

Embrace has been great! very satisfied!!

My 1 1/2 year Old Old English Bulldog had to have surgery and I had no problems with Embrace taking care of my claim quickly. I think they are great and will continue to use them with all my pets.
5

out of 5

POSTED: | BY: Jeff

I am so grateful to have Embrace pet insurance

I have a great Dane and I love her dearly but the medical issues are unbelievable. I am so thankful for embrace pet insurance,it's stressful enough when your dog is sick I'm just glad someone's there to help cover the cost. Thank you Embrace.Jeff
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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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