Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

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.
4

out of 5

POSTED: | BY: Mike

Have had a good experience to date.

Embrace, though expensive, has handled three claims I have had with ease and expediently. Their website is also very easy to navigate. All in all, a good experience.
4

out of 5

POSTED: | BY: Solomon

Embrace for my Malamute

I have had my pup since he was 9-10 weeks old. He is currently 10.5 months old going on 11 months soon. He had a case of puppy papilloma. Essentially puppy pimples that dogs usually get when they play with other dogs and is normal in a growing well socialized dog once in his early lifetime as he or she will build an immunity to it afterwards is what I have learned. My vet said it should go away on its own naturally or I could use meds to help it along, which I did. Took less than a month to receive money back. Embrace is good because they cover vet bill directly instead of comparing your vet's region for average going price for services you get. They also send me money back for wellness coverage really quick within a week. But the 2 times he has had illness claims they have taken long. the first time was November 7, 2013 and we didn't receive money back until December 8, 2013. So you will get the money just be prepared for a month later. Speed of refund is very important to me so I may look elsewhere in the near future while my dog is still young.
5

out of 5

POSTED: | BY: Roy

Definitely a Must Have

First I must say I researched several pet insurance companies prior to selecting Embrace. I am very happy that I went with them. Our dog had an intesintal blockage that required that he have 4 feet of his intestines removed since it was tied up and damaged. After several visits to the PetER, a major surgery and a visit to a specialty surgeon the bills came rolling in. Embrace delivered on their promise remibursing us for the claim. It was straight forward and they paid 90% of every invoice that was submitted. Embrace saved the day!
5

out of 5

POSTED: | BY: Dottie Cox

Best thing wer ever invested in for our pets.

We've used Embrace for 3 years and have had an excellent experience. The company is responsive and caring and claims have been reimbursed in a timely manner. I would not have a pet without having Embrace insurance.
5

out of 5

POSTED: | BY: Rita Chambers

Well worth the price

This is the first pet we've insured and it is well worth the price. The claims are reviewed and paid promptly. We added the wellness portion and it practically paid for itself in one visit! I recommend Embrace to everyone who asks me about insurance.

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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