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: Karen L.

Dependable and quick!

Our dog sustained several deep puncture wounds after being attacked by another dog and required surgery and follow-up care. During his treatment the vet found a suspicious lump and we had it biopsied. (Negative, yay!) Embrace started paying our claims right away, processing them very quickly. We would be in a world of financial hurt if we didn't have the insurance. We switched to Embrace from another pet insurance company and are so glad we did!
5

out of 5

POSTED: | BY: Jeannie Murphy

Fantastic customer service !!!

We recently got our first dog ever (a black lab puppy) and researched about 5 pet insurance companies and found Embrace to be the best. Now that we have made a few claims we have found them to be very helpful. They are in constant contact by email, from confirming receipt of your claim to letting you know that it has been processed and then a follow-up to be sure that you received your payment. All of the Customer Service Representatives are very pleasant to deal with and very efficient. I would highly recommend getting Embrace pet insurance.
5

out of 5

POSTED: | BY: Margaret Niznikiewicz

thus far, this has been a very positive experience

We have decided to buy an insurance for our new puppy, Bernese mountain dog. I reviewed several companies on line before making a decision to choose Embrace. We have recently submitted a claim for an anual vaccination and it was accepted without any problems. The technician's at the vet office comment was that it was one of the easiest and most friendly insurance companies that they deal with. Thus far, we have been very happy with the company.
5

out of 5

POSTED: | BY: Nathan

I wish MY insurance was this good!!!

I researched at least five different insurance companies before settling on Embrace and could not be happier with my choice. From the first call to go over policy options (I ended up designing my own policy that has worked out fabulously so far) to filing my first claim (which was reimbursed in full in less than two weeks!) i feel like the folks at Embrace really understand what pet owners need/want out of the system and do their best to make everything work seamlessly. They are the only company I found that covers hereditary/congenital problems which, especially for my breed, can be quite serious later in life. My dog, Whiskey, hasn't had any serious illnesses or injuries yet but judging from my experiences with Embrace so far, I feel very confident that should something terrible happen, Embrace will be there to help.
2

out of 5

POSTED: | BY: Karen

Nothing covered

Well, so far very few of the services I've needed for my dog have been covered. I hesitate to submit my claims because I know I'm going to get the form letter saying how sorry the company is to give me the news that nothing I submitted will be covered. The services either took place before meeting my deductible or were considered "pre-existing conditions" which is extremely frustrating. Not sure it's worth the money, may consider just creating a savings account to cover future expenses.

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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