Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Holly Lufkin

Better than I ever expected.

I have 2 Great Danes and just saying that alone sounds like it's going to cost a lot of money. And do get me wrong these dogs cost me in food bills, nail trimmings, grooming, toys, bones, treats, dog beds, etc. but I wouldn't trade it for anything. They have had their fair share of vet appointments and when I was first searching for pet insurance I was nervous. So many of my Friends let me know that their pet insurance was horrible and I don't work out with whoever their provider was. I am so happy to say that is not the case with embrace! I have had several claims on both my dogs and have always received a nice return. They've covered my girls spade my boys congestive heart failure, their shots, and other unexpected visits! Worth every penny and I'll never leave!
5

out of 5

POSTED: | BY: Jess

Excellent customer service

Embrace pet insurance has been terrific. i highly recommend them. They've been so kind to me and making sure my dogs were taken care of. Even though we are stationed overseas, they've made the process seamlessly easy.
5

out of 5

POSTED: | BY: Lynne Osterlie

Great choice for pet insurance

We began coverage for our two dogs Jan 2016. In July one of our labs had a CCL injury requiring surgery, etc. Embrace customer service was responsive and helpful before and during the process, and paid the claim quickly. I am glad we chose Embrace Ins and would recommend this company to any pet owner. Thanks for the great service!
5

out of 5

POSTED: | BY: stephen

took awhile

customer service was great. It just took a lot longer for the claim to be reviewed. Suppose to be 10 to 15 business days took mine almost 20. Other than that it was approved and had check within a week
5

out of 5

POSTED: | BY: Laura

I love Embrace!

We have both our dogs covered with Embrace, while they have always been generally healthy in the past year they both had odd illnesses pop up. Earlier this year, our lab had a bad cough and was breathing heavily with what turned out to be allergies. Just recently, our 9 year old Doberman collapsed and is having heart issues. Not only did Embrace reimburse us for the expensive tests that had to be done, but their claims portal was so clear and up to date along the way, it made the entire process so much more reassuring for us in a time when we have been very stressed out about their health. After hearing horror stories from friends about their experiences with pet health insurance, I feel so incredibly fortunate that the research I did paid off and Embrace has been nothing short of amazing.

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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