Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Mary

Couldn't ask for better service

When we got our new lab puppy, River, we decided to get insurance for her. We have an older lab who has experienced all sorts of health issues and is uninsured. When she needed hip surgery, the bill and meds where very expensive. And she continues to be on medication seven years later. Embrace has covered every wellness claim we've submitted and the processing time has been at the speed of light! We are very, very happy with their service and we highly recommend them.
5

out of 5

POSTED: | BY: Michelle

Easy and Affordable

Sending in this claim was hassle-free. I was emailed promptly to be told it had be received then sent another email regarding its status. I am so happy that I can keep Abby insured for a reasonable cost. It gives me a security, knowing that if something happens, she's covered. I would definitely recommend this company to other pet owners.
1

out of 5

POSTED: | BY: Marcus

Clearly in it for the money

This company is out for the money. I had an issue 2 years ago and another issue this year which are completely different but they tried to say it was all under the same illness!! So if the dog was sick back then and is sick now(not noting the exact cause), they won't cover it!! Very poor experience and customer care.
4

out of 5

POSTED: | BY: Rachel

Overall pleasant service

Embrace staff have generally been informative and pleasant to communicate with. I have had extensive e-mail communication with Embracer reps, who have helped clarify my pet's profile, and assistance with updating our information.
5

out of 5

POSTED: | BY: Sharlene

Prompt and reliable coverage

Our GSD tore his CCL. The surgery was expensive and would have been difficult for us to cover if we had not had Embrace Insurance. Our claims were reviewed in a timely manner and checks received very quickly.
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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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