Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,286

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: Jim and

Another prompt refund by Embrace

Our Great Dane has had several issues lately. Embrace has been great in the portion they cover and the promptness of their settlement. Thier agent are all great in keeping us informed, and show genuine interest in the welfare of our dogs.
5

out of 5

POSTED: | BY: Ken

Cooper check up

We submitted our claim for a wellness visit on Tuesday and on Thursday received an E-Mail from Embrace that $200.00 would be refunded to us. That's great service and we appreciate it so much! We insured our 1st dog when we first picked him up 4 years ago. We have happy with the service and that's why we keep renewing our policy. Sincerely, Ken in NJ
4

out of 5

POSTED: | BY: Lydia

So far so good

We have never had health ins for our dogs but this time I decided to go for it. My vet recommended another but they had bad ratings. The breeder - who is also a vet recommended Embrace. I checked vs other policies and made a judgement call with Embrace vs another plan that seemed sound. Thank goodness after a month only regular checkups and a case of guardia (sp?). The only thing I do not like is now that he had guardia it is now considered pre-existing and if he gets it again it is not covered until a year goes by and then his slate is wiped clean and they would cover it again. I also wish that I could pay for his wellness insurance in full & take advantage of a nice discount without having also to pay for the accident portion in full also (as that is the big chunk of $).
5

out of 5

POSTED: | BY: Tiffany C.

Embrace is Great!!

I have already let the office staff at my vet's know that if any of their clients are looking for pet insurance, that Embrace is the best I have ever heard of or experienced. Their responses are prompt and explained in their emails. In addition, their reimbursement checks are also delivered quickly. I won't trust my dog's well being and health insurance needs to anyone else.
1

out of 5

POSTED: | BY: Cathy V

MISLEADING COVERAGE INFORMATION

I researched numerous pet insurance plans, knowing that my puppy had an overbite issue. Based on other reviews and coverage details - and looking at the "what is not covered" and "what is covered" information on the plan specific web page I viewed, I choose the Embrace plan. Well, they say the devil is in the details, and the company gets to decide whether teeth that are poking holes in the upper palate of my puppy's mouth constitute "trauma" or "illness". My vote would have been trauma, but they don't want to pay the claim, so they voted "illness". I would NOT recommend this company.
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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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