Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,916

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: Robin

Timely reimbursements and follow through!

I have been in Embrace customer for three years now. Embrace has always offered timely reimbursements with superior customer service and follow through! I recommend this insurance to all pet owners!
5

out of 5

POSTED: | BY: Karin

Reinbursement of claim was very quick

This was my first experience with Embrace and I have nothing but rave reviews to say. They processed my claim in a quickly and timely manner and I am very pleased!
1

out of 5

POSTED: | BY: LILY

NOT A GREAT START

SIGNED UP ON THE INTERNET FOR FULL COVERAGE AND WELLNESS. THEY SENT ME THE POLICY BY EMAIL AND I THOUGHT I WAS ALL SET. HAD MY FIRST VISIT AND WAS DENIED COVERAGE! EMAILED THEM THE WELLNESS CERTIFICATE AND NOW WAITING FOR A REPLY.
5

out of 5

POSTED: | BY: Amy

I wish all insurance companies were like Embrace!

Our very athletic Greater Swiss Mountain Dog came up lame last July. After several x-rays and examinations, it was determined to be tendonitis. After crate rest and keeping her still for several weeks, it still was not going away. We took her to a orthopedic rehabilitation vet who prescribed several weeks of therapy using a variety of methods such as cold laser therapy, treadmill swimming, specialized exercises, chiropractic and massage. After our deductible was satisfied, Embrace covered everything. I wish my human insurance was as timely and efficient as Embrace is! They are GREAT! I've recommended them to many dog owners and new puppy owners and have only received 'thank you's' from them for letting them know about Embrace. Keep up the great work and high standards Embrace! I have 3 Swissies with more coming and they will ALL be covered by Embrace.
5

out of 5

POSTED: | BY: Scott

One of the best decisions I've ever made!

We rescued a purebred Akita puppy after the breeder abandoned his female. We had no medical history available for either the mother or father so we decided it would be a good idea to get insurance. Very close to his 2nd birthday he started limping and moaning. Xrays showed severe hip dysplasia. After consulting Dr. Randy Acker at Sun Valley Animal Clinic we decided to have a full hip replacement. EMBRACE covered $3600 of our $4500 bill. Once the initial paperwork has been established the claims process is super easy. Our claims are deposited directly in to our bank account.
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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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