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: Joyce

Embrace is the best

My Sasha was a Fidelco puppy that was taken out of the program after 16 months and offered to me as a pet She is a beautiful black Germsn Shepard who is a gentle loving soul. I took out Embrace pet insurance as soon as I officially adopted her. Over the past few months she was diagnosed with megaesphogus and was very very sick. Embrace has covered all her illness and wellness claims and I must say I have not waited more than 10 days from mailing the claim to receiving a check. The log in and EOB information is helpful and timely. I have recommended Embrace to all my friends who have pets or planning on getting one. Thank you Embrace.
5

out of 5

POSTED: | BY: D

Service Review

I would recommend this company to all. They are somewhat particular is what they require in the first year-but nothing more than any other Pet insurance company dictates. I had one issue in the very beginning with out a resolution I agreed with but since they have been gold. My dog is pretty healthy but I am very glad I have Embrace in case I need it. Their customer service is A++.
5

out of 5

POSTED: | BY: Robert

Great Insurance for pets

Our pup of 6 months developed a loss of balance and kept falling down. We took her to our vet who told us it was some kind of brain issue and had us go to a specialist who did MRI, spinal tap and blood work. They were unable to find the cause and put her on antibiotics for a month. She is currently doing well. The cost exceeded $3000. Embrace approved our claims, and we should be receiving a check shortly less the deductible. We are pleased with the service we have received and would highly recommend them to other pet owners.
5

out of 5

POSTED: | BY: Janice

Great experience dealing with Embrace

We have only been with the company for 2 months but so far dealing with them has been easy and helpful. I would highly recommend this company.
5

out of 5

POSTED: | BY: Jill

Who knew dogs had ACLs...

Right before the holidays, Walter (8 y/o puggle) busted out the door into the yard to bark at his enemy walking by. This was an everyday occurrence. Unfortunately, this time he was on his hind legs and lost his footing on an acorn. Yup, that's right. He was taken out by an acorn. He wasn't acting like himself and wouldn't put any weight on his hind leg. I got him to the vet and found out that he tore his ACL and really messed up his leg. He ended up having TPLO surgery. This was a crappy time as you can imagine and honestly I dreaded submitting a claim to Embrace. I assumed I would get the runaround and nothing would be covered. I was completely wrong. Everyone I dealt with at Embrace was super nice and were actually concerned about Walter. I ended up submitting a few claims and it was so easy. It made a difficult time so much easier. I've been with Embrace for a few years and never thought I would use it because of an acorn. Shows you that the littlest thing can change everything. I have and will continue to recommend Embrace to every dog owner I know.

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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