Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Irena Khrebtova

Just perfect

An incredibly seamless, transparent experience; very human explanations of benefits and options, and very cordial agents every time I deal with the company (for 2 years now, and I am staying for good). I wish my human insurance was as easy and understandable to deal with, I swear !
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4

out of 5

POSTED: | BY: Sue Oravecz

Initial call to Customer Service re Premium Increase & Follow Up call with Manager on 12/20/22

Initial call to Customer Service re: unexpected increase in Annual Premium. Representative courteous & professional but unable to address all my concerns. Requested to speak with a Manager. Informed I would receive a call back from a Manager within 24 hours. I indeed received a call back. Manager was very patient with me and listened to all my concerns. Manager inquired if there was anything company could do to improve their Customer Service response and I made some recommendations which he sincerely accepted. Manager then explained rationale for premium increase & apologized for any upset I may have experienced. Manager took an impressive amount of time to remain on the phone with me until I felt “heard”. Manager additionally reviewed claims process for my future reference. Commendable Customer Service Recovery appreciated.
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5

out of 5

POSTED: | BY: S Cothern-Ball

Excellent pet insurance

I have had Embrace insurance for 4 of my pets, over the past 7 years. They are thorough in their records review, to ensure claims are accurate (which I appreciate to keep costs down for the customer), but once your claims have been verified, they explain everything well and make payments quickly.
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5

out of 5

POSTED: | BY: Angel Hernandez

Great insurance

Great insurance. Easy to submit claims online.
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5

out of 5

POSTED: | BY: Jim Sullivan

Keeping in mind I have not yet filed a…

Keeping in mind I have not yet filed a claim! The Customer Service was Excellent and helpful and the process was easy and stress free. I am waiting on a review of health history (for pre-existing conditions) and a Vet Report to shorten the Orthopedics waiting period. I will let you know when I have received that information or actually need to file a claim.
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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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