Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,158

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: Tina

Frustrating

So far I've submitted 2 claims, both which took a while to process, which is ok, but my concern is lies with Embrace's record keeping. When I received the email notifying me of my second accepted claim, they forgot to apply my previous claim toward my deductible which makes me a little (a lot)weary of their record keeping. My advice, keep all correspondence and pay close attention to the numbers. I hate to have to play accountant but it's apparent that this company doesn't seem to pay attention to that sort of thing. So far this has been my experience. I hope this improves! Also, try to find a plan without a deductible. So far, for me anyway, this insurance hasn't been worth it.
5

out of 5

POSTED: | BY: Debby Baron

Responsive customer service

My 7-year-old bichon/lhasa mix has had Embrace insurance since he was 3. Recently he had 4 seizures within a couple of weeks. We are still investigating possible causes, but we've made four trips to two different vets, and already have heard that our first claims have been processed. I am so impressed with the humanity and courtesy of all the "Embracers." Emails are prompt and clearly explain what has been done. I even got one email saying that our claim was in the queue and not to worry that it had fallen into a black hole! Another time when I called with a question, the person I spoke to was very kind and solicitous of our pet's welfare. I did my research before we chose Embrace, and all of the positive comments I read have proved to be correct.
5

out of 5

POSTED: | BY: Bettina Schoefer

More than happy

When I decided to get a new puppy I researched my favorite breed and looked for nearby reputable breeders. The very next day of getting Henry I went to the vet and had my new family member checked out. They confirmed that I got a healthy, sturdy pup. Months later I was referred to a specialty doctor with the diagnosis of a rare disease. Your pets are a part of the family and you don't return them like a piece of equipment in your house when something goes wrong. I was left to pay very high vet bills and even though I had a pet insurance, I was not really expecting much financial relief... Pet Insurances don't have the best reputation... To my surprise I learned that the one I had picked is really helping. I just got an e-mail telling me that I will get a good portion of what I have spent so far, back... Thank you so very much and I will certainly spread the word about Embrace!
5

out of 5

POSTED: | BY: John

Great Insurance

I use Embrace Insurance, They are great. They pay for everything. I have not been turned down once yet, for drugs, care or anything. My deductible is $250. I am now starting to have checks sent to me after I take Bruce in. They send personal e-mails to check up on Bruce too. You may feel like you are throwing money out the window. But just wait until you have a $3000.00 surgery, it will then pay off.
5

out of 5

POSTED: | BY: Mimi Fountain

Wouldn't be without it!

This is one of the few insurance companies that cover genetic problems that may occur in your dogs. That is a big relief knowing things that may happen, are covered. They pay in a timely manner, and always friendly and helpful. I would not be without this insurance on my dogs.

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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