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: Anthony Puchowicz

One of the Smartest Things I've Ever Done!

I adopted my first rescue in December 2014. she was 1 1/2 years old Puggle at that time. When I took her to the vet for a check-up, the clinic suggested that I consider Embrace Pet Insurance. I did and have not regretted that decision for one moment! Fortunately she has been a healthy little girl. In August 2015 I adopted a second rescue. Another little girl, a Beagle mix, 2 1/2 years old. We discovered that this little girl had a broken canine tooth and several other fractured teeth. She had to have a root canal on the canine tooth and three fractured teeth pulled. The cost of this dental work was over $1000.00. Embrace pet insurance reimbursed me well over half of the amount for the dental work. This past August my second rescue (the same little girl) developed a bone infection in one of her toes on a hind paw. The infected toe had to be amputated. The total cost of her treatment was well over $1300.00. Again Embrace Pet Insurance was there and reimbursed me almost the total cost of her treatments. I would never, ever consider having a pet without pet insurance and my pet insurance of choice is Embrace!!
5

out of 5

POSTED: | BY: Kristie Masiella

Best decision ever!

We have a Dobby/Shepard mix and he is wild! When he was almost 1 year, I changed his insurance over to Embrace. You would think being young that's we would have no issues, right? Well, appearantly our boy like to injury him and has tried mushrooms. Embrace was fabulous! No issues what so ever! They took care of the claims in a timely manner and most importantly, they have not cancelled is! Lol! Thank you, Embrace for always being there and giving us a peace of mind.
5

out of 5

POSTED: | BY: Michael Salzberg

Excellent service

I file all my claims via email and they are processed quickly and accurately.
1

out of 5

POSTED: | BY: Donald Bradshaw

Permanent conditions are unwarranted & unfounded.

When my dog had back surgery 5 years ago and was then considered a permanent condition, which would not be covered. But now he had surgery on his neck, not his back and of course you state he is not covered for the same reason. I believe you stretched the condition to your own likeness and for that reason I am stopping insurance on both Taylor and Trudy. I am entitled for a full refund paying monthly for the past 5 years on both dogs and am very displeased with the unfair practices and polices to fit your needs and purpose. Very disatisified with your insurance policy and reasoning behind your decision.
5

out of 5

POSTED: | BY: Brittany

Great staff and great coverage!

Our 9 year old Mastiff had to have emergency surgery on a skin mass that caused an arterial bleed as well as many appointments after his surgery for bandage changes, antibiotics, etc. Embrace has covered more than I expected for his care which, of course, makes a very unfortunate situation much easier. I also love the timeliness of responses at Embrace. Anytime I email a question I recieve a response within 1 hour! All of the staff members I've spoken with through phone or email are so helpful and kind. I would absolutely recommend Embrace to anyone with furry children of thier own!

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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