Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,979

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: Meg Wittenmyer

Just keep getting better

I don't write reviews every time I submit a claim because everyone would get sick of hearing me praise Embrace. With four Great Danes, three of which are rescues, we discovered early on that insurance was a must! Everyone one of our dogs has been the beneficiary of an Embrace claim, some more than others. You know you did the right thing when you're on first name basis with the claims adjusters. The latest is a continuation of the initial torn ACL claim made earlier in the year for my Dane with Wobblers. Because he isn't a good candidate for surgery, he wears a knee brace (which Embrace covered) and is pretty much on an NSAID for life. If you add one extra thing to your basic Embrace policy, let it be the drug addition!! The price of prescription drugs for dogs is as much as it is for people and without insurance there's no way we could keep Dagobaz comfortable. That drug plan has paid for the policy of all four dogs over and over again. And I just found out they have a tool where you can check the status of your claim on-line, which I think rocks!!
5

out of 5

POSTED: | BY: Kimberly

Great customer service and easy claims process

I did SO much research prior to choosing an insurance company for our dog. Friends of ours told us VPI was good, but I didn't like how claims are paid based on a scheduled amount. Embrace is fantastic! They really care about their customers, and, most importantly, the well being of the pets. The claims are paid based on the billed amount and the process to file couldn't be easier. We just filed our first claim and they kept us up to date on the progress of our claim via email. I would recommend Embrace to anyone.
5

out of 5

POSTED: | BY: Susan Alpern

They always do what they say they will do

I have coverage for my 2 dogs. They have had several "mishaps", and I can say that Embrace has always come through and paid exactly what the policy covers. I did a lot of online research before choosing Embrace, and I liked the ability to tailor the coverage. Additionally, the staff is uniformly helpful and always show concern. I have recommended Embrace to several people.
5

out of 5

POSTED: | BY: Stacie C

Great converage, excellent communication

I have been extremely happy with my Embrace plan from the start. I have a 2 year old american shorthair cat and chose the 90% reimbursement plan. He has needed medical care twice (once for hurting his leg and once for ingesting part of a lily plant) and both times Embrace was there for us. He needed to stay in the hospital for three days when he ate the lily and the bill came to over $1500. They paid out $1200, which is exactly as it should be, given that we had a $200 deductible. All we had to do was print his form off of the website, have the doctors fill it out, and send it in. I'd absolutely recommend Embrace to anyone with a pet.
5

out of 5

POSTED: | BY: Jane Devlin

Great Service!

I have been nothing but thrilled with Embrace Pet Insurance. Both of the claims I have made were immediately processed. What a great service to have. I would have a hard time affording my dog's vet bills without them. Thank you!!

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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