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: Justin S

Embrace is great, a must have as a pet owner.

Embrace was the best choice we made for our English Mastiff, Lambeau. Lambeau suffered from chronic kidney failure, but Embrace allowed us the opportunity to give Lambeau the best treatment available to help manage his disease, and extend his life as long as comfortably possible. Without question, we were able to spend extra time with our big pup that probably would not have been possible due to the extreme costs of medical supplies/medications, hospital stays and treatments which costed in the range of $10k. Would highly recommend Embrace to any pet owner out there. Worth every dollar.
5

out of 5

POSTED: | BY: Pete

Very responsive staff, fast claim turnaround.

A little clumsy (on my part) initially. I was submitting a wellness claim and decided to submit additional background info on our shelter pet while I was at it. I wasn't able to indicate that it was merely informational, so Embrace processed the support docs as claims and obviously declined them because they occurred prior to enrollment in our policy. After an exchange of personally written emails the confusion was straightened out, and my wellness claim was ultimately approved. I was impressed with the prompt personal responses I received from the staff, and look forward to working with Embrace in the future.
1

out of 5

POSTED: | BY: Kelli Williamson

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 Family

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 Herman

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!!

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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