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: Gail Bradley

Excellent customer service

Their customer service is the bomb! I've had two dogs insured with them since 2013 and thankfully have only had wellness claims. I submitted a wellness claim recently for my mixed breed Frankie and there were 2 prescriptions put on the same claim. Embrace customer service walked me thru how to properly submit a wellness and health claim on the same form and exactly what was needed. Since I wasn't interested in claiming the prescriptions they kindly are processing just the wellness part of the claim. Saving me a lot of time and aggravation.
5

out of 5

POSTED: | BY: Holly

We LOVE Embrace!

Embrace has been such a wonderful insurance company for us. Our new puppy has had some unexpected health problems, and they have been nothing but supportive. Thank you!
1

out of 5

POSTED: | BY: Scott Mitchell

Disappointed

First of all, receiving a letter from Laura Bennett (CEO) is just a form letter. Secondly, the claim check I received 2 weeks ago was for a claim submitted in October of last year. And last, I would stay away from this insurance company. I have an ongoing dispute with them and get stone-walled at every turn.
5

out of 5

POSTED: | BY: P. Beaver

Glad I chose Embrace

I took out accident/illness insurance with Embrace for my Shiba Inu after experiencing some very costly medical bills for my chow chow. At the age of 12 she tore her ACL and had to have surgery then a few months later, a day after her 13th birthday, she bloated and had to be rushed into emergency surgery. She survived and was in ICU for about 5 days but during the surgery they discovered a malignant tumor on her liver. She passed away at the age of 14. I do not in any way regret spending the money for her medical care but had I known about Embrace beforehand I would not have had to cash in on my retirement policy. Thankfully, my Shiba has only had to use the coverage for minor issues (torn dew claws which had to be surgically removed, and a tooth extraction)Embrace was very quick to review and process the claims. I have been very happy with Embrace and I truly hope that I don't have any major accidents or illnesses with my Shiba but feel relieved to know that if I do, I have the security of having Embrace to help with the costs.
5

out of 5

POSTED: | BY: Lucky

Excellent Insurance, glad I took out this policy.

The claim was for frontline flea medication. The claim was processed very quickly.
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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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