Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,867

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.
4

out of 5

POSTED: | BY: Jamie

So far, so good!

First and foremost, I have experienced nothing but great customer service. I filed my first claim and it was taken care of quickly and easily as expected. I would score a 10, however some points are lost for the fact that my premium increased after 1 year, substantially. However, because they have great customer service, they worked with me to figure out a way to make it work and for that I am thankful and grateful. The key will be the following years.
5

out of 5

POSTED: | BY: Lizz

Great service, honest and fair

Embrace has worked well for us and our aging dog. He has needed extra care this year for lameness that developed in his hind legs, and insurance was a good investment for us. Embrace staff have been responsive to questions. The website and claims submissions process is user friendly. Things that should be covered have been covered. They are clear in communicating and we know what to expect. This was not the case with a past company we had.
5

out of 5

POSTED: | BY: Stephen

Thanks for provideng Pet Insurance!

Folks have been great about payment of insured pet care.
5

out of 5

POSTED: | BY: Pam

I'm sorry I didn't trust you Embrace

Been an Embracer for 3 years but just had my first claims. Unfortunately, they were big ones for diagnostics, surgery, and treatment for pancreatic cancer. An emotional time, and when I filled my first batch of claims and the status erroneously showed "waiting for information for preexisitng conditions" I suspected efforts to deny the claims. But the error was fixed immediately and my claims paid promptly. Thank you Embrace, and I'm sorry I was so quick to suspect you wouldn't do the right thing when you did.
5

out of 5

POSTED: | BY: Mary

Service and response always exceeds expectations.

I have been with Embrace for a little over two years and have two large breed dogs insured. This has been my first experience with pet insurance and I am extremely satisfied and would highly recommend Embrace. Communication is easy through email and response to claims has always been quick, thorough and easy to understand. Every time I have had to call a representative, I have been treated with courtesy and professionalism. They have shown empathy for my situation and have always been quick to answer questions or resolve situations. I will be a user of Embrace Pet Insurance for life!
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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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