Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Margaret

Saved the Day- Excellent

Wonderful service. 3 year old Havanese got sick and needed ongoing visits and tests to determine what was going on and to get him treated. Over $1200 spent to get him back to good health and Embrace came through and got our claims paid. SO THANKFUL to have THIS pet insurance.
5

out of 5

POSTED: | BY: Sara

Without Embrace, we would have been stuck!

Embrace is amazing. I cannot speak highly enough of this company. They helped us with our dog's ACL repair -- without the coverage we could not have afforded it. Before her operation we tried to manage things conservatively, but to no avail... She is only 2 and couldn't walk. She had her operation about 8 weeks ago now and she's doing so extremely well! She's walking and was just given the ok to do stairs again. THANK GOODNESS for Embrace! They never give us push back, always cover what they say they will, and they are kind and helpful through the whole process. They reimbursed us within 1 week.
5

out of 5

POSTED: | BY: Sharon

Embrace is my Hero

I can't say enough great things about Embrace Pet Insurance! They really are there when you need them! I recently enrolled my cat in Embrace Pet Insurance, a week later my Lilly Girl had her wellness check-up and to my horror the veterinarian discovered that her canine tooth was fractured! I called Embrace to find out what I needed to do. Every person that I spoke to at Embrace was so compassionate, understanding, and very professional. They clearly explained what I needed to do so they could process my claims; the Wellness Visit and Surgical Extraction of a Canine Tooth. They were fast and efficient! Lilly and I look forward to many years as an Embrace member! Embrace has our backs! Just get the insurance and you will know what I'm talking about! Embrace is just full of AWESOMENESS!
5

out of 5

POSTED: | BY: Rosrmary

Highly Recommended....

I purchased Embrace Insurance on the word of my sister-in-law for my newly adopted Beagle. I thank her every day. My furbaby recently had chocolate poisoning and an accident hurting her neck and a tear to her ACL. This Insurance has been wonderful and processed my claims within 4 weeks. My baby now has to undergo surgery and I know Embrace will be there for us. This Company will always be there when needed. I recommend Embrace.
4

out of 5

POSTED: | BY: Westley

Kennel Cough Illness

I just filed my first claim with Embrace after getting my coverage last year. They processed my claim quickly and I received my reimbursement in less than a week. I will say however I am disappointed about their pre-existing policing. Though I understand why this is in place it was frustrating in my dog's case. When I got my insurance policy, they had noticed that my dog had been sick with vomitting about 9 months prior but was not diagnosed with anything (the vet found nothing wrong with him besides just a tummy ache) Embrace however listed vomitting as a pre-existing condition on my policy and will not pay for anything related to vomiting. Vomitting however is a VERY common symptom of a variety of illness up to major things like cancer... Therefore when my dog got sick with kennel cough and was gagging uncontrollably which made him vomit I was worried about my claim and not getting re-reimbursed... And I worried about taking him to the vet because of the price. Thankfully Embrace covered all of the vet bill except his nausea medicine so it was better than nothings.

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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