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.
5

out of 5

POSTED: | BY: Susan G.

Always dependable

I've had Embrace for at least 4 years. In that time, my dogs have had hospitalizations or treatmemt for cancer, gastroenteritis, accident, etc. I just added the Wellness plan. I have always been paid what the policy says it covers. I have also found the staff to be friendly, responsive and helpful whenever I have called. I can recommend Embrace without reservations.
5

out of 5

POSTED: | BY: Nathalie Stone

Embrace comes through

We have had Embrace insurance for our dog since 2008. Since we went several years without any claims, we almost canceled it this year for our now 10 year old German Shepherd. Glad we didn't! He was diagnosed with cancer in his anal gland in early May after a senior blood panel showed hypercalcemia. We quickly had surgery to remove the tumor and planned to go forward with chemotherapy. At his first chemotherapy appointment his blood tests were returned with hypercalcemia again. Exploratory thyroid surgery, less than a month after his cancer surgery, uncovered an enlarged parathyroid, which was the cause of the second hypercalcemia results. We submitted all of the claims surrounding his two surgeries, his chemotherapy sessions thus far, as well as unrelated veterinary visits for arthritic bone spurs in his spine and bladder stones that were likely caused by the hypercalcemia. Embrace quickly paid out all of our claims, strongly validating our decision to renew with a premium that had increased a little due to his senior status. So many insurers won't even cover senior dogs, and many insurers make a lot of breed-specific exclusions (German Shepherds seem to be most excluded). The few times I have spoken with a representative at Embrace, I've been impressed with their high service levels and their sincere empathy towards their customers' pets. We really appreciate their service and how they have allowed us to focus on caring for our sick dog instead of worrying about the financia
5

out of 5

POSTED: | BY: Shelley Tager

New puppy

We welcomed a new puppy into our family in early June. After having a not so favorable experience with another pet insurance company, we researched other alternatives. Embrace offered what we were looking for: options at different levels for coverage and a parallel to what we have in our own personal insurance. We have submitted 2 well care claims and couldn't be happier with the ease of submission, fast follow-up, and fast reimbursement.
5

out of 5

POSTED: | BY: P. Olds

Wellness Claim

Have had an Embrace plan with wellness option for our dog Tanner for several years. So far we have only needed to use the wellness coverage and have been happy with the service. Claims have been handled promptly and customer service people are knowledgeable and helpful.
4

out of 5

POSTED: | BY: Cecile Guildford

Great Insurance

As soon as I got my little Beagle-Ace I took all the insurance pamphlets and read the little print. Embrace by far offered the most for a reasonable price. Ace is now 5 years old, and having the pet insurance is a terrific deal. I would and do recommend Embrace to my pet lover friends. Thanks Embrace!!

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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