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: Donna Puccini

Embrace is above the rest!

When my last dog was a puppy, there wasn't wellness care or cancer coverage so I decided not to purchase insurance. Last year my dog passed away from Lymphoma cancer and decided to search for pet insurance that had extensive coverage options. When researching insurance policies and coverage, Embrace had a wealth of coverage including wellness and cancer coverage among other health issues and pre-existing conditions which other insurance companies tend not to cover so I decided to take a chance. All of the people at Embrace have been extremely helpful including answering all my questions. When my new puppy was spayed, I submitted my bills and was reimbursed promptly under my wellness policy. It was hassle-free and quick to receive payment. Wellness coverage is a plus and well worth it. I would recommend Embrace to any pet owner.
5

out of 5

POSTED: | BY: Deborah Harrison

Real Animal Lovers & Professionals

I've only filed one claim on my Boerboel, but that claim was handled expeditiously and to my satisfaction (not an easy feat since I am one of *those* dog moms who wants to know/understand everything)
5

out of 5

POSTED: | BY: Judy Di

very pleased with Embrace

I adopted a 7-year old golden/collie mix, Angelo, two months ago. Because we had spent a lot last May when our late dog was critically ill with meningitis, I decided to buy pet insurance when we got Angelo. Angelo had been with us only a short time when we noticed that his third eyelid was showing. Our vet recommended an MRI. Embrace covered a substantial amount of the cost and reimbursed us quickly. I would definitely recommend Embrace to other pet owners.
5

out of 5

POSTED: | BY: Marilyn Trabaccone

All I can say is WOW!

As the owner of 3 golden retrievers and previous owner of 4 previous dogs. I think Embrace is awesome! (I hate that word but there is no other word to describe the attentive service I receive from the staff)! I have previously used VPI and can't believe the difference. I even received a personal note from Laura Bennett, Chief Embracer and Co-Founder to be sure that everything was going smoothly for me. I am really impressed. My first claim was processed quickly and easily and I received a check in about a week. I received emails to keep me informed during the whole process. The claims are based on a percentage of actual fees not some random figure pulled out of the air. I am definitely a fan.
5

out of 5

POSTED: | BY: Lindsay

Excellent company

We have had a policy for our 9 month old Shetland Sheepdog since he was 4 months old. I can't speak more highly of this company- we have had a few small things pop up, and our claims are always processed very quickly (mostly via email), communication is rapid, and our claims have always been approved. This is one of the only pet insurance companies to cover genetic conditions (such as hip dysplasia) and I would recommend Embrace to friends and family- both for the range of illness/conditions covered and excellent customer service. Wonderful!

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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