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.
5

out of 5

POSTED: | BY: Kathy

Thank Goodness for Pet Insurance!

My poor dog has been an itchy mess for years, and we have tried a number of things through my regular vet. The next step was to go to a dog allergist, and I just knew that would be a huge expense. But I finally called Embrace to see if possibly it might be a covered expense and to my eternal gratitude they assured me that it was, and would be covered at 80%. So my pooch is on her way to becoming a much less itchy dog thanks to Embrace! And the claim was handled in under a week, which was awesome!
5

out of 5

POSTED: | BY: MDoty

So responsive and true to their word!

Our 6-year old Golden Retriever is experiencing her first signs of arthritis. We had her X-rayed and received medicine for her for the next month. Have been dutifully paying our Embrace premiums for the last 6 years without having to use the insurance so we were so pleased to see it was as worthwhile as we had anticipated. Super quick claims process and really responsive in connecting with our vet's office and the pharmacy. Really appreciate!
5

out of 5

POSTED: | BY: Gwen

Practical and Affordable

Embrace is easy to submit claims and quick on reimbursements. Their premiums are affordable. I am quite satisfied with the insurance for both my dogs.
1

out of 5

POSTED: | BY: Rachel

Worst insurance ever.

Being that my bet recommended embrace to me, I actually thought it would be worth the $70+ a month to have my dog insured. But after months of filing claims and appeals, I can honestly say that nobody should use this company. Even after my vet contacted embrace for us to elaborate on my dogs condition because the claim forms are not nearly specific enough, we have yet to receive any reimbursement. I will be contacting my lawyer that is how displeased I am with embrace pet insurance. I feel like I've been robbed.
5

out of 5

POSTED: | BY: Paula

Stones away!

My 7 year old Dalmatian was having trouble urinating, and when she did go, it was grossly bloody. My home vet thought it was a urine infection, but after a treatment she suspected stones. I brought the dog for X-rays, and sure enough over 100 stones. She had the surgery that same day and had to stay 2 nights. When I was given an estimate of the cost I told them I had Embrace, and sure enough they had literature there. My other Dal had ACL repair and it was covered without incident. Guess what, so was this one. No issues, no problems. I love this company. To file a claim is easy, the people are nice, and I no longer worry if something big happens. Twice now I have been extremely satisfied and impressed.
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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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