Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,633

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: Melissa Klein

Best Decision We Made

We adopted a rescue Mastiff last June and I was on the fence about pet insurance. I've had pets before and they never had any serious issues so I wasn't entirely convinced that we needed it.One trip to the vet and $450 later, we signed up and thank goodness we did. In the nine months that we've had our 110 lb bundle of joy, she's had three UTI's and the antibiotics alone are enough to make your jaw drop. If it wasn't for Embrance, we would be in some serious vet debt but they have come through each and every time. The customer service is phenomenal, they keep in touch via email to keep you informed of your claim status; I've always been able to talk to a real live person without waiting when I've called; the explanation of the benefits and the coverage is very straightforward. Working with Embrace is probably one of the most pleasant experiences I've ever had with a service company and I highly recommend using Embrace for your pets.
5

out of 5

POSTED: | BY: Josh H.

Truth in Advertising

Imagine this: you buy an insurance policy, and pay your premiums. Then, you submit a claim, and the insurance company covers everything, exactly as specified in your policy. No tricks, no double talk, no deception. How often does that happen these days? With Embrace, it does. My dog recently had some benign skin growths removed, plus X-rays for a possible ligament tear. Embrace covered the surgical cost, the anesthesia, the hospitalization, biopsy, x-rays . . . everything, less deductible and co-pay. And, they did it fast. I did a lot of research before selecting embrace for my pet insurance. I feel that I made a great choice.
5

out of 5

POSTED: | BY: Alison Thresher

Great company, amazing service!

I just had my first claim and they were so helpful. Everything went smooth and I was taken care of and so was my dog. There insurance is very reasonable.
5

out of 5

POSTED: | BY: Jane Neufeld

Best pet insurance there is out there!

Have had Embrace for close to 3 years. One year ago, my beagle tore a ligament (CCL injury). Embrace has done exactly as they advertised. Was reimbursed 80% of my costs (as defined in my policy). In addition to the surgery costs, have also had Embrace's help with recuperation therapy and getting my dog back to "normal". Many Thanks!
5

out of 5

POSTED: | BY: Matt

I am extremely pleased with Embrace!

Embrace does a great job at follow up with claims! Very happy I chose this company for our puppy's coverage! I will recommend everyone in our dog training class. Well done!

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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