Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Dr. Monica R. Miller

Peace of Mind - HIGHLY Recommend!

After giving much thought to whether or not I wanted to purchase pet insurance for my fur-baby, I did extensive coverage which was narrowed down to two options - Embrace was one of them. I was struck by the broad coverage they offer sparing no detail. Compared to other companies, Embrace seemed like the likely choice taking into account the tail to nose coverage, app interface, quick turnaround for claims, and very clear/transparent policy, Thx far, I have found their customer service to be impeccable from Sales/Onboarding to regular customer care — everyone I have spoken to thus far has been knowledgeable, warm, kind, and patient. Additionally, there is a strong coordination of care with Embrace which means when you call Customer care more than once, everything is noted in your file and the right hand knows what the left hand is doing. Lastly, their pricing is more than fare. And so is the company. After signing up for one plan I had within a day wanted to change the maximum from 30k to Unlimited and I was able to accomplish that with ease only having to pay the difference. The policy change was automatically confirmed via email and all was updated in the app on the following day. When I first initially called sales/onboarding I had so many questions - my representative was so patient with me and was so well-informed and able to answer every single question I had. HIGHLY recommend Embrace - you won’t be disappointed. And it’ll bring you a peace of mind that you’re looking for in a pet insurance plan!
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5

out of 5

POSTED: | BY: Margaret Schafle

Submitting invoice tip

Process was relatively easy. Just make sure you have your invoice and date information prior to submitting.
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5

out of 5

POSTED: | BY: Kimberly

Peace of mind for our dog!

Embrace Pet Insurance has been such a blessing for us and our precious dog. Our pup developed some health problems a few months ago and it gave us such peace of mind knowing we had pet insurance. Embrace has paid claims in a timely manner and if I ever call in with questions, everyone I've spoken with is incredibly kind and professional. I have and will continue to recommend Embrace to all my dog owning friends!
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5

out of 5

POSTED: | BY: Marcy Linsky

Good Reimbursement

So far, they have been good at all of my claims. They have reimbursed me very quickly also.
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5

out of 5

POSTED: | BY: Crystal Shepherd

Simple and quick!!

Simple and quick!!
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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 detail
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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