Embrace Review

30 reviews
Top10.com Staff

In a Nutshell

Embrace offers A+ customer satisfaction with excellent service for pets at risk of hereditary conditions and for accident and illness coverage. The plans are customized for you, and Embrace donates money from each new policy towards animal charities.

pros

  • Full cover for congenital conditions
  • $50 off your deductible for each claim-free year

cons

  • Some exclusions are quite broad
  • Wellness and prescription medication is extra

EMBRACE EMBRACE Visit Site

Embrace Highlights

  • Top-rated customer service
  • One comprehensive plan
  • $2 of each new policy goes to an animal charity
  • Discounts for neutered pets

What’s Covered?

Embrace has only one standard plan, which covers both accident and illness. You can customize the plan to your liking by selecting your preferred annual deductible, reimbursement percentage and annual maximum payout.

Coverage is extremely wide-ranging. Aside from diagnostic procedures, surgery and hospitalization, it also includes rehabilitation. You’ll also get full coverage for congenital conditions, a unique service for the pet insurance industry. This makes Embrace ideal if your pet is at risk of problems due to breed-specific traits.

Limits and Deductibles 

Embrace’s pet insurance policy has an annual deductible, a choice of $100, $200, $300, $500, $750 and $1000.

Payouts are a percentage of your total bill - 70%, 80% or 90%, depending on your choice - but are subject to a maximum annual limit. The maximum annual limit is also customizable. The lowest annual limit is $5,000 whilst the highest annual limit is $15,000.

Value for Money 

Embrace isn’t the cheapest around, but given the extent of cover you get, it’s surprisingly affordable. You can get a plan for as little as $13 a month if you choose a $750 deductible, $5,000 annual limit and 70% reimbursement option.

You can also benefit from various discounts. You get an extra 5% off if your pet is spayed or neutered, as well as $50 off your deductible for each year you don’t make claims. There are also additional discounts to be had if you pay a year’s worth of insurance up front, if you’re a veteran and if you insure more than one pet.

Age Limits 

Embrace does not typically insure pets older than 14, however pets older than 14 are still eligible for coverage via the accident-only policy.

Given that the average lifespan of dogs is 13, while cats live about 15 years, this is a more than reasonable cutoff period. In any case, coverage is locked in for the lifespan of your pet. Unless you let your policy lapse, your pet is covered for life.

EMBRACE EMBRACE Visit Site

The Fine Print: What’s Not Covered? 

Embrace won’t cover pre-existing conditions, dental, anything related to pregnancy and injury or illness caused by abuse or neglect. The latter exclusion is quite broad, and could extend to accident or injury in circumstances that are out of your control. Injuries caused by another pet, for example, aren’t covered.

Certain conditions will no longer be classified as pre-existing if they don’t recur for 12 months after your pet is insured. Unfortunately, however, certain conditions, including ligament tears, are considered incurable and will be considered pre-existing for the whole length of the policy. It seems that even ligament tears to a previously unaffected limb would be considered pre-existing.

Embrace coverage has been updated so that only the type of cancer the pet was previously diagnosed with is excluded, however other types of cancer can be covered.

An Embrace Review from Heidi

Conclusion

Embrace has a comprehensive offering at affordable rates. Its unlimited coverage for congenital conditions makes them a great choice for pets at risk of breed-specific problems. You should however beware of the broad exclusions.

Wellness and prescription medications are only available as additional extras, which means you’ll have to pay for them separately.

Top10.com's editorial staff is a professional team of editors, writers and experts with dozens of years of experience covering consumer, financial and business products and services.

EMBRACE customer reviews

Based on 30 reviews

Ease of use

Brand satisfaction

Value for money

Service quality

Write review

Adjust category ratings

Ease of use

Ease of use

Brand satisfaction

Value for money

Service quality

Brand satisfaction

Ease of use

Brand satisfaction

Value for money

Service quality

Value for money

Ease of use

Brand satisfaction

Value for money

Service quality

Service quality

Ease of use

Brand satisfaction

Value for money

Service quality

Share your experience

People discuss, price, satisfaction level and more.

Write your review

20 Sep 2020

Almost done!

Check that everything's correct, fill in your details, and submit your review!

Anonymous

Ease of use

Brand satisfaction

Value for money

Service quality

Today

Your review will be screened by our team
Whoo-hoo!
Thanks, we love getting your feedback

Top Reviews

Anthony, AZ
10 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Embrace is an overall good rating, very easy to use. very good customer satisfaction. value for money. good quality of service.

Annie, TX
10 months ago

Great customer service and excellent help in finding the right insurance for my pet that I needed to cover medical costs for my little dog.

Dawn, CT
8 months ago

Make it easy to file claim, get customer service. There are no complicated forms or lengthy waits.

James, MI
a year ago

My dog was having problems and needed many check ups that would've cost a fortune. Thankfully, it was completely insured and covered.

Jackie, PA
9 months ago

They are very affordable and very understanding and helpful when I was purchasing this insurance

Steve, MD
a year ago

Easy fast and accurate claims. Good website. They Always approved claims. Direct deposit.

Sue, CA
10 months ago

All of my claims have been paid quickly and without issue. Easy to use online claim process and status. Email is responded to quickly and customer friendly. Only downsize is the amt I pay due to the breed. Could be cheaper

Harley, GA
9 months ago

That pet insurance is really good. They cover a good percent of my pets vet bills. It really helps keep my pets healthy.

Maxine, FL
10 months ago

So far I'm very happy with the ease of use and services offered. I like the online options for submitting claims etc.

Sherry, NY
7 months ago

Their plans are very good for a low cost and they have many options to choose from. I compared numerous companies when looking for pet insurance and they had the lowest price with some of the most comprehensive coverage. The customer service was very good and I had no problems understanding the details and exclusions of my choice of plan. The only thing I wish was different was that they paid the vet directly instead of you having to pay then be reimbursed.

Beth, FL
7 months ago

I have not yet filed a claim, but so far it's affordable, was easy to sign up for, and looks like it will cover what my dog needs.

Cheryl, CA
7 months ago

I dislike having to review my claims for mistakes. When my claims were recently denied, I discovered a glitch in their systems caused my wellness account to wrongly appear maxed out. However, once an error is found - they move with speed to correct it! It is expensive and my policy went up 26% upon renewal this year. They have dropped coverage of specific items upon renewal, too.

Cheryl, TN
a year ago

Embrace is an affordable pet insurance. Chosen for price and benefits! Easy to use and customer service is very helpful

Adam, CA
7 months ago

It's just easy to use. I would like to believe that they are responsible too, and they've been great for my cat.

Bobbie, NV
a year ago

They have high deductibles and their rates increase substantially every year even if no claims

Jean, IL
8 months ago

Their rates have really increased in recent years so we are not as pleased as we used to be. ..

S, NJ
a year ago

I wish they covered more and cost less. It is good that our vet can submit for us after appointments.

Taylor, IN
10 months ago

They make things very easy. The website is simple and it is very simple to make a claim. The employees are always very friendly every time I have to call and make a claim. Reasonable prices

Jen, OH
a year ago

I have not yet used it so it is difficult to rate the services. However, email responses are timely and website is easy to navigate.

Luz, NJ
a year ago

I don't get to use it that much. It's good value for this pet insurance.

30 reviews