Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,397

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: Lisa

Skeptical about Pet Insurance-Don't Be!

I was so skeptical about Pet Insurance, (my husband said-SCAM!) but upon purchasing my Doberman from a breeder, I wondered if I could afford to take care of him if something went terribly wrong, after spending so much money to initially buy him. On top of that, one of the other "new puppy parents" was talking about how this was his 10th Doberman, and how one of his former dogs they called the $10,000 money pit, because he ate everything from pantyhose to socks and had to have multiple surgeries. With this story in the back of my mind, I researched and researced, and decided Embrace was going to be the best choice of coverage for me. Little did I know, that after having Bosco for only a month, he would =swallow a large piece of palm bark and require emergency surgery...to the tune of $2900.00. Now I REALLY prayed that Embrace would come thru for me and that I really WOULD be reimbursed-or if my husband was right, and it was a scam. After filing my claim, and receiving email responses right away, I was reimbursed exactly what I was hoping would be covered. I ended up with 1/3 of the bill, and had only made one months payment! I have definitely recommended Embrace to all of my friends now. Don't worry-you'll be glad you have it if God forbid, you ever need it!
5

out of 5

POSTED: | BY: Leslie Leblanc

Excellent customer service & coverage

We have 2 German Shepherds covered by Embrace. We have always been very pleased with the services covered by Embrace - not to mention the super customer service. We plan to keep our coverage for a long time!
5

out of 5

POSTED: | BY: Allison

Happy with the coverage

I have had my dog insured for about a year with Embrace. They have paid most claims to my satisfaction, most importantly I have noticed that they are fair and transparent in making their decisions. I shopped around and did my research. I found that Embrace was one of the only companies that had favorable pre-existing condition provisions. This is extremely helpful for those of us that rescued our pets or got them later in their life. The representatives are extremely responsive and really take their jobs seriously. You can tell that they love animals. I also like that they email you when they have received a claim and keep you informed of the claim status throughout the process.
5

out of 5

POSTED: | BY: Liz

Reimbersment

I have always had a good experience with my claims. The customer service reps have always been courteous and very helpful.
5

out of 5

POSTED: | BY: Tess Daniel

A Luxury You Shouldn't Do Without

I have been on the fence on whether Pet Insurance was worth the price. For years I didn't invest in it because I couldn't find a company that would cover breed specific ailments and I figured they are called breed specific because there's a high probability your dog will suffer from such an ailment. I was pleasantly surprised to find out that Embrace covered breed specific diseases and also pleased that they also had a wellness program. Yes they are a little pricier but their coverage is also better. I read wonderful reviews about this company and that was the deciding factor. Embrace keeps their word and they are very up front and they customer service is top notch. The peace of mind is worth every penny.

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.

Get a quote today

Leave a review