Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Joseph

Excellent and reassuring service

Now that Harry is a "senior" at 17 1/2, the inevitable medical issues related with age develop. The coverage provided by Embrace has made the treatments we are giving Harry less of both a financial and emotional burden. Because of Embrace Harry is with us and we hope for quite some time to come. I have - and will continue to - recommend Embrace to all who have animal family members.
5

out of 5

POSTED: | BY: Lisa

Always professional

Never dissatisfied with service
5

out of 5

POSTED: | BY: Mary

Quick & Easy

The ease of submitting claims and turnaround time on notification/reimbursement has been top notch. I would and have recommended Embrace Pet Insurance to family & friends. Thank you.
5

out of 5

POSTED: | BY: Colleen

Unbelievably great customer service!

I can't say enough great things about Embrace's customer service. My dog unfortunately ended up at the Pet ER (prior to having insurance) and by the time I submitted my first claim the server at the Pet ER had been down and they were unable to access my dog's records AND they had no details on when it would be up and running. I was so frustrated and nervous that if those records were gone for good, I'd be screwed out of pet insurance for my dog. But, I spoke with the customer service and they offered to contact Pet ER as well as my primary vet to check for any records and I'm not sure how they got them, but later that day, my claim was covered! So incredibly thankful for their patience and time to take care of my issue.
5

out of 5

POSTED: | BY: Kelly

You have to fight to get this company to help you.

You shouldn't make your customers pay out 100% to be reimbursed 90%. You could help more animals by paying once we pay our deductibles.
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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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