Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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: Andrea

Easy Peasy

I've had policies for both of my girls for several years now and luckily I haven't had to use either one. A couple of months ago my baby, Gwen, became extremely sick with a mysterious illness. We did all the diagnotics necessary and she spent three days at OSU Veterinary Hospital in the ICU but we never landed on a specific cause for her symptoms. Luckily, she recovered as quickly as she fell ill. I've never been so grateful to have insurance because I was able to do everything my baby needed without worrying if we could afford it. As a Veterinary Technician I spend my days telling my clients to please get pet insurance for their dogs and cats, now I have a personal story to share about just how life saving it was for us! Plus, from submission of my claim to receiving my check was less than one week each time! It probably would have been even faster if I had had direct deposit set up!
5

out of 5

POSTED: | BY: Ray

Prompt & without hassle.

A large dog can mean large vet bills, especially when it comes to meds. My Mastiff has had an ongoing need for meds and Embrace has not balked at covering them. Their claim service is fast and hassle free. I originally purchased this insurance with the thought of hedging against catastrophic expenses, but I'm very glad I have for the smaller but on going expenses.
5

out of 5

POSTED: | BY: John

I was skeptical, but now I am sold

Of course, I would do anything for my dog - a 7.5 toy Pomeranian. My best friend. So I looked into pet insurance and everyone was ready to give you a quote. I was skeptical, read the reviews and took the dive. My dog rarely has anything wrong with him, and I take very good care of him. The few times I have used the insurance I am amazed at how quick and easy it is. I only wish my personal health insurance was handled so well and quickly. The last time I used my insurance, I dropped the claim form off at the vet (Legacy Pet Hospital in Liberty Lake, WA.) and she said she would take care of it. Two hours later I received an email that my claim was received, and in toot sweet my check arrived. Viola! There are so many choices to choose from for pet insurance, and I think I made the right decision.
5

out of 5

POSTED: | BY: Thomas

Very accurate, easy to file

We've had Embrace Insurance for our German Shepherd Dog for 5 years. After meeting all the timetables for pre-existing conditions, coverage has been as promised and expected. Appreciate the way Embrace makes it easy to file, and honors their commitment. To fit our budget, we purchased a high-deductible policy and for a few years didn't meet our deductible, but that was a good thing as our dog was very healthy. This year, however, she had a serious and costly illness and Embrace came through - we are glad we had insurance, as it enabled us to know we could afford to proceed with our dog's treatment when the issue first came up - and it looks like she is recovering nicely. Thanks, Embrace!
4

out of 5

POSTED: | BY: Robin

Very happy so far!

Embrace coverage for my dog Hayden started on 3/11. I took him in for his orthopedic exam and vaccinations which was costly. My claim was submitted, approved and paid in full all within one week. I am appealing his ortho exam as the vet was not specific enough on the paperwork she submitted so I had her resubmit it. I am hoping all goes well and he will be covered for any orthopedic issues. That is why I am giving it an 8. If they cover his ortho I would raise it to a 10. Their customer service is the best!!!

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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