Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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.
2

out of 5

POSTED: | BY: Wendy Porter

Jury is still out

The company sure seemed great when I signed up. When we rescued a second dog we switched from another insurance company because this one seemed like it might be a better deal. So far, I am disappointed. We never get much back from out claims. My most recent was $888 and after the deductible and things that are not covered I am receiving a refund of less than 10% (and that took 3 1/2 weeks). I sure hope it gets better.
5

out of 5

POSTED: | BY: patti bumm

First time to make a claim

Glad we had Embrace for our dachshund Sailor. Embrace has processed the claims fast and everyone has been so nice and keep in contact with us during this time. Sailor didn't make it though, my he rest in peace now.
5

out of 5

POSTED: | BY: Phyllis Mandel

Embrace has been Great

My puppy Sierra has had bouts of vomiting and anorexia. We have gone all the way to a specialist to get her diagnosed. Embrace has handled all the claims in a timely manner. This is my first experience with pet insurance and I am very pleased so far. I am hoping we can find the correct diagnosis to keep Sierra happy and healthy.
5

out of 5

POSTED: | BY: Cristina

Great coverage & customer service

I've had very positive experiences with Embrace. I realized the need for pet insurance about 5 years ago when my dog started getting nose bleeds and the vet recommended a $1900 MRI to diagnose what turned out to be a nasal tumor. Never again did I want to make a life-or-death decision concerning my 4-legged babies based on how much money I had in my savings account. I knew the cost of the insurance premium would eventually pay for itself, and it did when my dog tore her ACL and needed major surgery. The pre-certification confirmed Embrace's claim... "everything is covered" except the RX (and that was by choice). I can't imagine having a dog in my family without pet insurance now... it's a real anxiety reducer!
5

out of 5

POSTED: | BY: Ashley

Excellent communication and service!

Unfortunately, we've had several trips to the vet with our new Boston Terrier. Embrace has done an excellent job of keeping us updated on claim statuses and providing us with thorough explanations of their decisions. I've called their office with questions before and staff members are not only professional but very friendly. I would recommend Embrace to any pet owner!!
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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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