Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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.
1

out of 5

POSTED: | BY: Lori

Really bad experience.

This experience was really bad. My claim was deined at first because there was not enough medical history. Then it was denied because the services rendered were before the beginning of my coverage period, which was NOT TRUE since I received reimbursement for a claim just 4 months prior to that. Not sure if this is because it's a new business or if it's another case of insurance companies simply wanting to receive money but not send any out of they can help it. I really expected better from a company calling itself "EMBRACE". I have absolutely not felt embraced.
5

out of 5

POSTED: | BY: Christine

The best

We LOVE Embrace! They have always been there for us and we tell everyone we know about them. When our Rosie was 2 or 3 years old, we discovered she needed knee surgery, on BOTH knees! It was going to cost $9500 for the surgeries but without them, walking would be a really painful thing for her to do. She had a lot of years ahead of her so we were willing to do what it took to help her. At the end of the whole thing, Embrace covered 80% of both surgeries! We were so relieved and thankful we chose Embrace and have been loyal ever since.
5

out of 5

POSTED: | BY: Denise

By far the best instance for your pet

I have had other insurance in the past for my German Shepherd Dogs but this is the best. From sign on to submitting claims to their great customer service they are wonderful
5

out of 5

POSTED: | BY: Julia

Confident in my insurance company!

My dog Spartan was recently diagnosed with Dilated Cardiomyopathy. This was one of the most heartbreaking experiences for me as Spartan is my soul dog. Embrace was incredibly helpful to me in getting his health information sorted out - they made phone calls to a vet that was very hard for me to get in touch with. They were always incredibly helpful to me and very sympathetic to my situation. In the end they covered all of my sweet boys procedures and I have 100% confidence that we are covered for life! I recommend this insurance company to everyone!
5

out of 5

POSTED: | BY: Katy

Thank you!

Thank you Embrace for being there when we need you.
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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 detail
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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