Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,000

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: Leticia

When we most needed them they were there for me and my family .

I have tried other pet insurance and the response time was great. The review of benefits and the reimbursement . Not to mention the great customer service I had never had before. Not even from my own personal insurance Co.
4

out of 5

POSTED: | BY: Gordon

Establishing a Claim and attaching summaries and invoices is really a pain in the ass. computer program is not user friendly

The people you have working for you are nothing but Spectacular! Alissa Tyminski and Kelsey Markle were fantanstic and so very helpful. I will from now on FAX all documents instead of sending info through your computer program. Accomplishing a claim is very difficult to say the least. You definitely need more people and I understand and feel for you all having to work many issues during this COVID-19. Thank you so much for your support.
5

out of 5

POSTED: | BY: Shelley

Top Notch Customer Service

I have been VERY impressed by Embrace's top notch customer service. Every single person I spoke to was extremely knowledgeable and very helpful. When it came to do a review for pre-existing conditions for my rescue, Marco Terrano was very detailed and answered all of my questions via email and over the phone. I am so happy I decided to go with Embrace.
5

out of 5

POSTED: | BY: Bev

So Happy To Have This Company!

We have had this insurance since our girl was 7 yrs. old....she's now 12 years and still going strong. She has had a few issues with a neck issue, rehabilitation and medication and now some heart issues (mitral valve disease) with more expensive medication (ongoing) but through it all, Embrace has been awesome. They have covered everything according to our plan and we are so grateful to know that they have our back when it comes to needing tests and treatment. We had another insurance with a previous dog and when it came time for extensive treatment and medication, they refused to pay for anything but cremation! Now this does come at a price which goes up considerably each year. But with any insurance, you hope you never need it but it's great to know when you do they are there!
5

out of 5

POSTED: | BY: Tammy

Peace of Mind

I've been a customer for 7 years, but have just had the need to use it in the last few months. I've got 2 older cats (14) - one with cancer, and one with other issues that go along with his age. Embrace has been incredible. Submitting a claim online is simple, and the reimbursements are FAST. That was a concern for me when I first submitted a claim, but I get mine usually within 5 business days. It was great when my girl went into kidney failure and was diagnosed with cancer to not have to base my care decision on whether I could afford to give her the best treatment! She's doing well on her treatment, and I'm not going broke. A win all around! Highly recommend Embrace.

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