Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Nicole Bailey

Great Customer Service

While my first claim was initially denied, when I submitted a letter from my dog's cardiologist in appeal, the denial was overturned and her claim was covered. All of the staff I have spoken to on the phone or dealt with via email seem very caring and have been quite helpful. Once we ironed out the confusion over her first claim, subsequent claims have been smooth sailing and paid in a timely fashion. The wellness coverage has been great also.
5

out of 5

POSTED: | BY: Ruben R

life saving

Excellent insurance coverage with a big meow.
5

out of 5

POSTED: | BY: Dr. James

This company is the best pet insurer.

My Flat Coated Retriever suffered severe injuries in both shoulders, requiring surgery and extensive rehabilitation. Embrace has received and processed over $8,000 worth of bills (so far). They have gone out of their way to make the claims process easy, and to promptly pay all claims, directly to my bank’s checking account. I just wish I could find a human health insurer that was half as good. I’ve had other pet insurers who weren’t nearly as good. I highly recommend Embrace.
5

out of 5

POSTED: | BY: Michael Urban

Great Customer Service

We have our two beagles covered by Embrace. The one beagle has experienced some major health problems and we needed an MRI to determine what was going on. Without having Embrace it would have been a very difficult decision to spend the money for an MRI. Our insurance covered the MRI and it was a relief knowing we made the right decision on having Embrace. Our claim was paid within two weeks. The customer service group at Embrace have been wonderful. Thank you..!
5

out of 5

POSTED: | BY: Heather

Worth the money

I have had the insurance just about a year now and very unexpectadly my dog needed elbow surgery and I did a pre approval process through Embrace and was very pleased to get the email that his surgery was covered. I have heard so many negatives about pet insurance but have had a great experience so far with 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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