Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Randal

Another quick claim payment

I have a pup less than a year and a half who's had to have two surgeries, one last year and one this year already, and Embrace paid quickly beyond my deductible. They communicate well and the system is user friendly and easy to find information. If I had one complaint it is the form that must be filled out by the vet or surgeon. I really hate bothering them with this type of thing. It's administrative and they are super busy. I would hate to know that my vet was late in dealing with my dog because they were filling out a form. I should be able to fill it out and send in the appropriate receipt(s). Mostly am very happy with the service and the price is fair.
5

out of 5

POSTED: | BY: Chris

Love Embrace

Purchased this insurance when we got our two Lab puppies.Theyhave been wonderful and alway prompt. Jewel has allergies and Embrace has been wonderful to work with.
5

out of 5

POSTED: | BY: Robert

Embrace is how to show back your dog's love

I feel blessed to be an Embrace customer. It is amazing how expensive it is keeping a dog healthy. Multiply this by two and the cost of having two dogs can be insurmountable. Lately, both my boxer and min-pin have had skin infections with costs of over $1000. Only with Embrace insurance have I been able to keep both dogs well. With only a 20% copay, I can "roll" my money back to pay for the next bill. You continue to have peace-of-mind as your dog ages and his probability of serious illness increases. Also, your veterinarian is more likely to accept a promissory note for unexpected treatments if s(he) knows you have pet insurance. There are too many benefits Embrace insurance offers to not think about having a policy to safeguard and show back your dog's unconditional love.
5

out of 5

POSTED: | BY: Sue

Efficient!!

Never have had a problem. Always prompt, courteous and great service! Having the Wellness coverage included really puts my mind at ease.
5

out of 5

POSTED: | BY: Kara

Bad luck

If it weren't for Embrace, my two boys wouldn't be alive today. My French Bulldog experienced an incident of IVDD in September requiring emergency surgery at Tufts costing over $5,000. Embrace covered 80% of it AND his hydrotherapy sessiosions. Then in January my new Bullmastiff puppy had to have surgery for Entropion and Distichia for just over $2,000. Embrace covered 80% of it. Then in March my Bullmastiff decided it was a good idea to raid our hamper and eat two socks. WHOLE. He needed emergency surgery for a blockage at our local 24 hour emergency vet. Embrace covered 80% of it. I LOVE EMBRACE. I am forever an embracer and I tell everyone about them. It is the best peace of mind knowing I can treat and care for my animals regardless of cost because they are "embraced". Their policies are very straightforward and if I ever have any questions their customer service has always been extremely helpful. Thank you Embrace for being such a wonderful company.

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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