Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Bill Colbert

There is no pet insurance better for me than Embrace Pet insurance.

We have been with Embrace for over three years. We have a Yorkiepoo male named Rocco. Rocco developed diabetes shortly after we adopted him. Embrace covered his insulin and other things that developed over a period of time. Rocco developed cataracts, this broke our heart because we thought this was the worst thing that could happen to my little buddy. Rocco had to have cataract surgery, Embrace covered 80% of the cost for the surgery. We were so elated to see that he was able to see again. Embrace was there when needed our insurance for Rocco and they do not hesitate to pay our claims. There is no other insurance better than Embrace!!!!! Thanks Embrace!!!!!!
5

out of 5

POSTED: | BY: Amanda Robinson.

Easy claims process

Embrace Pet Insurance has been very easy to work with & attentive to calls & questions. Excellent customer service & if you have questions or concerns they get back to you right away. The breakdown of the claims is very easy to comprehend & there are no hidden fine print details. They are thorough with getting your pet’s medical records, which they keep on file for future reference, & claims processed right away! When dealing with expensive vet bills, it’s reassuring to know the refunds will come in a timely manner.
5

out of 5

POSTED: | BY: Lisa Licursi

Customer service is great and quick handling of claims.

I never imagined I'd have to use this as much as I have when i first purchased this all those years ago. My little girl has had quite a few health issues that unexpectedly we've had to deal with over the years and Embrace has always handled claims professionally and promptly. Thank you Embrace. I've recommended them to many of my friends and coworkers and I know of at least 10 of them that have purchased.
5

out of 5

POSTED: | BY: Matt

Embrace makes it fast and easy

Embrace has been wonderful to work with and is always quick to reply in any situation. Our claims are processed fast and the insurance does exactly what it says. This is the only pet insurance we’ve ever had and there’s no way we will switch.
5

out of 5

POSTED: | BY: Sergio Donofrio

Excellent and prompt service

My interaction with Embrace has always been very positive. Response to claims has been very timely. Even when claims were not covered, the explanation provided was thorough and informative. Claims were processed quickly, no long waits. I have been happy with the service I have received from Embrace.
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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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