Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Karen N

Great customer service!

Have been using Embrace for my dog this year and have had nothing but pleasant interactions so far! The claims are promptly and fairly addressed. Couldn't be happier with this service.
5

out of 5

POSTED: | BY: ANN MARIE

Excellent Customer Service

Customer Service and Claims Departments are receptive, communicative and very good at resolving issues. I, along with Darby and Drew, highly recommend Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Roberta

A bright spot during a difficult situation

I recently filed my first major claim with Embrace for my 8 month old puppy, who required emergency surgery for gastric dilatation with volvulus (bloat with torsion). It was an extremely stressful situation to deal with my puppy post-surgery; so it was so helpful to have Embrace respond extremely promptly to my initial filing, keep me informed throughout the process, and reimburse me per our agreement in a matter of days. What a wonderful company to deal with... based on this experience (and the ease of reimbursement for Wellness Rewards), I recommend them very highly and am happy I've got them when I need them.
5

out of 5

POSTED: | BY: Sandy

Excellent service

We've been with Embrace for 8 years and finally had our first minor claim. They are easy to reach and processed everything immediately. It's a good feeling.
5

out of 5

POSTED: | BY: Jeff B.

Satisfied Customer :)

Customer service is excellent. Several of them will take the time to explain any question and concern you may have. They expedited my recent claims and even inform me when the claim was posted into my account. I recently renewed my dogs medical insurance and wellness savings with them. So far, I am much satisfied with their service.
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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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