Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Margaret M

The best pet insurance ever

We have had two different dogs with snake bite and a dog with hind leg issues. Each time embrace his reviewed the claims quickly and reimbursed us fairly for our claim. I would recommend this insurance to anyone with pets.
5

out of 5

POSTED: | BY: Maria Alejandra

Unbelievable Experience

I got Martin (now a 6 month old Pomsky) 3 months ago for my children. Unfortunately, he was badly hit by a car when we were away for vacation. HIs pelvis was fractured in 9 pieces and had to go under surgery immediately. He's been on medication and therapy for the last month. It's been very hard for our family seen Martin in this condition. Hopefully he will get better each day. Having Embrace has been a huge relief in terms of money. I couldn't have afford surgery, check ups, medication and therapy by myself. Getting this insurance for my puppy was the best decision I made and I couldn't be more grateful. The claim process is super easy, just upload the info and you are done! The refund arrives within a week. I can't believe how professional they are. I strooongly recommend Embrace!
5

out of 5

POSTED: | BY: Amy S.

But Labs don't need Melatonin!

My 3 year old lab got into a 250 tablet bottle of melatonin. While the bottle wasn't completely full there was a lot in there. ASPCA poison control figures it was probably 10 x the lethal dose. Fortunately, I discovered it and within 30 minutes or less of ingestion and made her vomit. Then began the vet drill. I called my vet who advised me to call the ASPCA poison control (PC) line and bring her in immediately. PC was amazing throughout and only cost $65. I took my dog to my usual vet around 4 pm for the initial treatment which was estimated to be $377 but turned out to be $715. She had to be transferred to a 24 hour vet for overnight treatment and on-going observation. Luckily she responded very well to treatment and was discharged the next night after about $1300 of services and then only needed another $100 blood panel the next day. I gathered all of my receipts together and submitted my claim to Embrace wondering if they would really cover everything per the policy. Sure enough they did! Even better my claims were processed within 1 week! It was a huge relief going through the event to know that I had insurance for my dog and an even bigger relief when Embrace processed everything without question. I've had other minor claims but this was the first (and hopefully last) big test of Embrace and I am very pleased. Easy peasy FAST process. Thank you very much Embrace. And most importantly my lab is doing great!
5

out of 5

POSTED: | BY: Sherri D.

Excellent

I am satisfied with the customer service and the claims being paid in a timely manner. So many of my Dolly's health issues and her most recent surgery was covered. Thank you, Embrace for caring about our pets. They are precious to us all.
5

out of 5

POSTED: | BY: Diane Wakely

Perfect !

Embrace has made the last 6 months a mental relief for us. Our boy Brody was diagnosed with Lymphoma. He has been under going Chemo since March 01, 2017. Thanks for our great coverage we have kept our guy alive, longer than the 6 weeks he would have had. He is happy, and full of life, in remission. Fingers crossed everyday for another health day and long walks with Brody.

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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