Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,675

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: Lisa

ABSOLUTELY Pleased with Embrace!

First things first: Embrace doesn't do anything like ask me to write a good review for them and then they'll reduce my insurance costs or anything like this (though, that'd be kinda cool - j/k). I'm writing this of my own free will because I've really been so pleased with Embrace over the last almost 2 years they've covered my dog. I signed up for coverage for my puppy when she was just a couple months old - which is smart to do. That way they do not yet have any pre-existing conditions. However, before I had coverage I took my puppy to the vet for some "goopy eyes" and the (not very good) vet deemed it allergies. I have since changed vets since I wasn't happy with their diagnoses over time. However this "allergies" still remained as a pre-existing condition with Embrace. So anytime my dog had any problems that could have anything to do with "allergies" it wasn't covered. I never complained (I probably should have) but it was very maddening to me. HOWEVER: my claims contact at Embrace took it upon herself to investigate the pre-existing condition of "allergies causing conjunctivitis" and reviewed this with underwriters to decide that this should be removed. UNBELIEVABLE!! I've never heard of this kind of "let's look into this and put the patient first" attitude with insurance companies. Not from animal insurance companies OR human! Well done, Embrace. You have made a huge fan out of me. And I know A LOT of dog owners. ;)
5

out of 5

POSTED: | BY: Kari

Best Pet Insurance Ever

Just filed a claim for removing ski socks from our pup's stomach. Everything was done quickly without any issues. The annual deductible is also the best thing ever since he had an eye problem earlier in the year, we only had to pay what we owed on the deductible and our copay after that. Embrace was the best investment we could have made for our best friend. We know we will never have to have those heart breaking family issues of is our pet worth $xxxx.xx for any sort of health problem or surgery because we have him covered with Embrace. We spent about a month researching dog insurance before choosing Embrace and especially after this incident we are still 100% sure we chose the right company.
5

out of 5

POSTED: | BY: Jan Ramos

As usual, Embrace & the staff are the BEST!

Our dog 11 yrd old dog Homer had a lump removed from his upper lip 6 days ago. I just received the Explanation of Benefits and they are depositing the refund directly into our checking account (previously arranged). The only thing Embrace can't do is speed up the pathology report. The vet thinks it was just a benign cyst, but there is always the possibility of something worse. However, Embrace sends Homer good thoughts:) We have had all 3 of our mixed breed dogs insured with Embrace since June 2007. It certainly is comforting to know we have major medical coverage for illnesses and injuries. We chose our own deductible and what we wanted covered - this way pet owners can fit their own plan to their budget. If you're looking for great service and options not found elsewhere, visit Embrace!
5

out of 5

POSTED: | BY: Nicole

Embrace is TOP NOTCH!!

I had never had pet insurance before Embrace. I took a long time looking at all the different pet insurance companies. None of the other companies compare to Embrace. The customer service is top notch. Any time that I have called the customer service has been so helpful and extremely nice. I also have to say that the claims department always keeps in touch and lets you know where you claim is at. Also with the reimbursement has been so fast. I truly appreciate how they send you a detailed decision on what is covered and what is not covered. Embrace is the best!
3

out of 5

POSTED: | BY: Robert

Not Thrilled

I've jumped through every hoop I've been asked to do. I can't imagine what I would have to do to get a claim paid.I sent a Canine Orthopedic Report Card and was told I didn't.So the Muscle Sprain Right Front Leg - with Claim Amount $64.1 will not be paid,it would have been taken off the $500 deductable.I thought I did my homework before I bought pet Insurance, I have to admit I did a bad job.

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.

Get a quote today

Leave a review