Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Kyle

Update to Prior Review

I previously posted a review saying how impressed I'd been with Embrace and this trend has continued. My dog needed a liver panel follow-up ($180) and I had notice of full reimbursement (less the policy's deductible)less than one week after the vet appointment and before I'd even received test results. Amazing!
5

out of 5

POSTED: | BY: Sandy

Quick Reimbursements

I just recently insured my french bulldog with Embrace. I submitted my first claim for a wellness visit this morning, and less than 5 hours later have received notification that the claim has been processed and my check is being sent out. I'm very pleased with the response time!
5

out of 5

POSTED: | BY: Marisa

So far, so great

I'd been covering my two cats with another popular pet insurance product. The other company really made my angry one day (and not for the first time) when they refused to expand and offer cancer coverage to one of my cats even though Willow was under the cut off age for their cancer rider. I was ready to pay extra, but they wouldn't take my money. This is what lead me to change her over to Embrace. The older cat is still on the old plan because he's old. But it gives me a good chance to compare the two plans. So far, the reimbursement for a Wellness visit is about $30 more than I get from the other plan. The customer service has been great. Very proactive and friendly. I feel very pleased about my choice, so far. I'm paying a little more per month for Embrace, but I would have had to do that if I'd been able to get the cancer rider.
5

out of 5

POSTED: | BY: Colleen

Best decision I ever made

When Mr. Utley - my Golden was a puppy I debated whether or not to get insurance. After doing a great deal of research, comparing the different companies that offered insurance, I decided to go with Embrace - based on all of the favorable reviews I had read about them. Over the last five years, I've been lucky enough to never have really needed the insurance - only had a couple of sore pad issues. I used to kid that my dog has better health insurance than me and people told me I was crazy to spend the money. But I knew that there was no price tag you can put on piece of mind - knowing that, if God forbid something bad happened to my guy, I would never have to decide on the future of my dog's health based on a cost analysis. Mr. Utley was just diagnosed with cancer and as difficult as it was to hear the diagnosis, the one thing I didn't have to think about was how could I afford to help him. When sitting with the oncologist discussing his treatment options, it was reassuring to know that I could afford to give him the best care available because I have GREAT insurance. We have just started his treatments and Embrace has made dealing with this illness as bearable as possible. I don't have to worry about the financial aspect and can just focus on making my guy better. Every time I meet someone who just bought a puppy I urge them to get Embrace Insurance. Like I said in my title, it was the best decision I ever made.
5

out of 5

POSTED: | BY: Deborah

EMBRAC Pet insurance is "THE BEST" in the market.

I have a 5yr old Samoyed - Dakota! He holds my heart in the his paws, and that is why I chose Embrace, I'm lucky to have been a Mom to 5 furry Samoyed's over the years, and have used and experienced several pet insurances, hands down Embrace is clearly the best. I recently had a wellness claim for preventative care - Heart Guard, Preventic flea and tick collar, etc. My claim was 100% paid in less than 5 day direct deposit, easy peasy! The customer service is untouchable by any other pet insurance provider, trust me I have been using pet insurance since it first appeared in the marketplace. I love Dakota and want only the best healthcare and pet insurance for him, that is why I chose Embrace Pet Insurance. Luv them! :)

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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