Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,249

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: Mary dillon

Happy with embrace pet insurance

My sweet golden has arthritis and gets scheduled adequan injections. The claims i submit for these are always paid by embrace quickly. And efficiently. And abbey feels like a new dog!
4

out of 5

POSTED: | BY: Marie Tucker

Glad We Chose Embrace

I was skeptical on purchasing any type of pet insurance but owning Golden Retrievers, having our last precious one pass from cancer, I began looking for a reputable company we could trust in case we were 'there' again. I'm so glad we did and glad we chose Embrace after researching many options. Our first covered claim for illness was an oral mass. We were deeply concerned to see this growth in our 5 yr old furbaby's mouth appear but her amazing vet took great care of her we are thankful to God this growth was benign. Receiving claim payment (after the deductible) certainly helped with the total out of pocket costs. Libby did not have any non-wellness claims the first year with Embrace so when she needed surgery to remove this mass, we were able to have a discounted deductible too (credit for no illness claims until our second policy year). The staff at Embrace have been very professional, quick to respond and very helpful. I would have rated the overall higher but this claim was marked complete in error before it was processed for payment, however, once I brought that to the claims department's attention, it was immediately responded to and the claim was processed with payment in just a few short days. Mistakes do happen but what impressed me most was how it was immediately handled and expedited to a manager (without me asking for that). Because of this as well, I am impressed with their service; enough to continue to carry the insurance with Embrace for our furry girl.
5

out of 5

POSTED: | BY: Chris

Thank god for Embrace

My friend told me I should get pet insurance when I got my new puppy last November. I didn't even know you could get pet insurance. I have OCD so this type of security was right up my alley. My dog is a chewer so I was actually worried about her getting a blockage but she actually ended up injuring her leg to the point where she couldn't walk. The Embrace process is so easy and their customer service is awesome. My friend actually has VSI or VPI or something but I decided to go with Embrace based on reviews and I am glad I did. Sophie is doing much better! Note to prospective dog owners, get to know your breed and do not get high energy dogs if you do not have a yard.
5

out of 5

POSTED: | BY: Bernadette Williams

TPLO Surgery

I have had Embraced Pet Insurance since my Maxx was 8 weeks old. I have been totally satisfied with Embraced and would recommend Embraced to anyone who is considering becoming a pet owner. Never did I imagine, I would be faced with such heartbreaking news that my Maxx had a torn ACL, but thats the situation we faced. After much research my husband and I decided to do the TPLO surgery. We were quoted 3000 dollars. Although, there was no doubt of whether Maxx would get the surgery done we weren't sure if the insurance would reimburse, due to reading many horror stories from other people who dealt with other insurance companies, in regards to reimbursement . However, I am pleased to say we didn't have a horrible experience with Embraced. Embraced processed the claim and reimbursed us 80% of the cost. A major medical condition can strike at anytime and I am glad we chose Embraced as our Pet insurance to help minimize a major expense.
5

out of 5

POSTED: | BY: Irene Palmerini

Best investment for my dog's health and welfare!

My dog participates in agility trials and recently experienced a soft tissue injury resulting in lameness his hind leg. Recommended treatment was rehabilitation using therapy and message. My Embrace insurance helped me get my dog the best treatment available. Reimbursement was easy and quick. My dog is now on the road to recovery. Embrace insurance was the best investment I could have made. I highly recommend this company.

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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