Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,380

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: Jaime

Pleasure to work with re: our puppy

Our beagle/shar-pei mix puppy Herman had to have an entropion corrected (essentially an eye lift!) and had some unanticipated intestinal blockage before the surgery. Embrace covered 90% of both the planned and unplanned portions and checked in with us about how Herman was recovering. They even found an error in one of our claims a month later and sent us the difference. Needless to say, my experience with them has been very positive. Herman is doing just great, btw!
5

out of 5

POSTED: | BY: Sharon

Fabulous service

Embrace has always been quick, efficient and quite easy. The rep that I email with is very accessible and FAST. I am very satisfied with this service.
1

out of 5

POSTED: | BY: Francine Daniels

Goodbye Embrace

I filed a claim in August on an August 7 date of service. The amt of the claim was almost $300. Today, Oct 3 I finally rec'd a reply about the claims. They have agreed to pay $51. I have waited for 2 months for them to process the claim!! I AM THROUGH WITH THEM. Their marketing media was totally propaganda!! Good by Embrace or should I say "DISTASTE"!!! THANKS so much for your misrepresentation!!!BTW, THIS IS THE 3rd claim submitted - they paid ZERO on the first 2 and a whooping $51 on this one which good 2 MONTHS to get a response!!!!
5

out of 5

POSTED: | BY: Dee

Simple Stated -- The BEST

Embrace has been absolutely fabulous in paying claims for our pup who suffers with severe hip dysplasia and receives physical therapy. I couldn't be happier with Embrace, they provide coverage for a very expensive illness without hassle. I have highly recommend Embrace and continue too.
5

out of 5

POSTED: | BY: Ms. Melissa

Helpful to pets , helpful to pet parents.

I am very pleased at how helpful Embrace has been to me and my furbaby Mr. Boots a gray and white kitty. I was very distressed one day when I noticed Mr. Boots had a wound on his belly and so I took him to the vet who said he thought it was a bite wound from something like a snake . The doc then cleaned the wound and healed it with antibiotics.And you can imagine how happy and relieved I was that Mr. Boots got cured and that we had a good insurance like Embrace to also take the financial worries away as well.You can tell they are about pets with the true quality caring helpful service they provide as well as their giving to animal charities when you buy a policy from them(which in my book is very admirable),so you can't help but love a company with their happy customer service record and that's simply amazing!So if their are any uninsured pet parents who need good insurance, I would say get Embrace . Thanks so much,Sincerely,Ms.Melissa Fudge & furbaby Boots

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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