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.
1

out of 5

POSTED: | BY: Kelli

Embrace

I made my first claim to Embrace after having a policy do months for my 3 dogs equaling almost $100 a month... Embrace was extremely split and it took almost a month to get a check that I still have not recieved... I have herd such great things but am extremely disappointed with my service with them...
5

out of 5

POSTED: | BY: Thompson

Always easy to work with!

We have had Embrace for several years and can tell you it pays for itself. We have always been very happy with the service and their attitudes. We have had a major surgery for one of our dogs and had multiple accidents covered with no issues on reimbursement. We will continue to cover our dogs as long as they live.
5

out of 5

POSTED: | BY: Jay

Great help during a difficult time!

My dog, Abby, was recently diagnosed with DCM. Before the diagnosis, I had never placed a claim with Embrace. Needless to say, the bills added up quickly. During the entire process, every Embrace representative listened well, described info that I needed thoroughly and seemed to truly care. Once the documents were uploaded, payment was processed in the described timeframe. There were a couple of claims questioned but once the necessary paperwork was receive from the vet, the claim went through smoothly. I highly recommend this company!!
5

out of 5

POSTED: | BY: Kathy

So glad I signed up our dogs for insurance!

We had a very scary event with our 6 year old Flat Coated Retriever. She suddenly started retching and panting for air at 9:30 at night. She had to have emergency surgery for GVD and bloat. Knowing we had pet insurance gave us some comfort in signing for her surgery. Had no idea how much you guys would really cover and have to say I am pleased that you covered about 70% of the costs. The claim process is very easy and you reviewed our claim in a timely manner.
5

out of 5

POSTED: | BY: Courtney

Great company

I've had nothing but a positive experience with Embrace. I've had them for three years now and it's nice to have that peace of mind for my doggy. Thanks!
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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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