Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,633

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.
3

out of 5

POSTED: | BY: carl siciliano

Great Service but disappointed

I have had Embrace since my dog was a puppy, six years ago. Seems I pay my policy but it never pays me for claims. Maybe time to investigate other pet insurance carriers. Service us great but disappointed in the policy.
5

out of 5

POSTED: | BY: Courtney Freaney

Embrace is amazing and continues to improve

I've had Embrace from the second week I adopted my little furry child, a French bulldog named Keelie. Keelie has had some health issues from the beginning - from ear infections to allergies to TWO disc surgeries (IVDD), Embrace has always been there. When she had her first surgery, the bill was over $7,000, and they reimbursed me for my full 80% within 3 weeks. This last round, the bill was nearly the same, and I received my reimbursement in less than a week! She's had some follow up issues and the turnaround for the reimbursement has been amazing. It's great to know that I wont be out all of that money for very long, and that I don't have to think twice about doing what's best for Keelie. I seriously could not have done all of this without Embrace. Thank you!
5

out of 5

POSTED: | BY: Chris Ostrowski

Great company with speedy payout

We have had Rocky's policy for a year now, and luckily we have not had to use anything other than the wellness benefit. Everything from his flea and tick medication, to his toe nail trim once a month....Embrace processes his claim and pays me within a week directly into my bank account. Couldn't be easier :)
5

out of 5

POSTED: | BY: Sabrianna Terranova

Great communication and very fast refund!

My Golden Retriever Layla has been "Embraced" for several years now. I am very happy that I went with Embrace as her pet insurance carrier. My sister uses a different company for her dogs and when I told her quickly my refund arrived for Layla's surgical procedure she was very impressed. I love that the entire claims dept. keeps in constant contact with you during the process of your claim and again, the refund arrived very quickly. Embrace is the only insurance I would use for my pets now and in the future.
5

out of 5

POSTED: | BY: Karla

So Glad I Chose Embrace

I am so glad I chose Embrace. Their customer service is excellent and they make the claim process easy. They keep you updated on your claim and process your claims quickly. Every time I have called, they are friendly and address your questions and concerns. I did research on all the pet insurances and was apprehensive about how the claims process would work for pet insurance if I ever needed to use my plan; but, I couldn't be happier! My dog is like a child, and I am so glad we have Embrace. I will definitely be recommended them to my friends and family.

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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