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: Claire Still

Greatfull!

I procrastinated about getting pet insurance, but then my daughters Dachshund got very sick and she had Embrace. I saw how they stood by her and paid the bulk of the hospital bill. I am so relieved I made the decision to join Embrace! It is affordable (I have two dogs)and the customer service and efficiency of this company is top notch! Reading reviews is so helpful. My feelings..even if I never have to use it, my premiums have gone to help another pet.
5

out of 5

POSTED: | BY: Julie

Great customer service

We have had Embrace pet insurance for our puppy Bernese Mtn Dog for about 10 months now and they have been great! They are really fast at turning claims around and always confirm when they have received or paid a claim. They have very personal and prompt customer service. They offer coverage for genetic issues that a lot of other companies barely pay anything for. I hopefully will never need to use that coverage but its nice to know its there if anything ever arises. I would highly recommend them to anyone considering insurance.
5

out of 5

POSTED: | BY: Jayme H

Embrace your awsome!

Just wanted to say thank you to Jenna who helped with my claim for Bailey. There was some mistaken information on the claim and fixed it the same day! Every claim I have made has been handled professionally and quickly.
5

out of 5

POSTED: | BY: Alyssa

Excellent Customer Service

I am extremely happy that I have chosen Embrace for my dog's pet insurance. I have never worked with a company that is so accommodating. I've never have a problem with any of my claims. Whenever I call customer service, they are very thorough and willing to answer any questions I have. I recommend it to all my friends with dogs.
5

out of 5

POSTED: | BY: Carolyn Jordan

a customizable plan

When I decided to purchase health insurance for my two pugs I researched most of the plans that were available. Embrace offered the most flexibility in terms of customizing the plan. I was able to choose dental prescription benefits, the co-payment, deductible, and the yearly maximum that seemed best for our needs. Most insurance plans seemed to top out at a much lower yearly limit, $5,000- $7,000 as opposed to $10,000/yr. offered by Embrace. Also, there is no sub-limit for continuing care. This has become a very important feature since my 8 yr. old pug was diagnosed with cancer. She has a serious mast cell tumor on her muzzle which required tricky surgery to remove. She will also require radiation and follow-up monitoring. Her prognosis looks good because with insurance I can afford the best possible treatment for her. The re-imbursements are made in a timely manner, which is important because all Vet bills have to be payed when services are rendered. I don't need to delay treatment because I'm waiting for an insurance payment to help pay for the next round of Vet bills.

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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