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: Leslie

Great company

I have used several pet insurance companies over the years with different pets and hands down Embrace has been the best for several reasons. The customer service attitude is helpful and positive, they reimburse claims much faster than others , they're fair and the process of submitting a claim is so easy.
5

out of 5

POSTED: | BY: Alan M

The Best in the Business

We have saved thousands of dollars with Embrace. They have paid every claim in a timely manner and have never nickeled and dimed us. Top notch in every way.
5

out of 5

POSTED: | BY: Alex Tien

Best pet insurance company ever!

Embrace has offered the best customer service for wellness, accidents and illness. The Embrace staff members are all friendly, reliable, and hardworking people to ensure they provide the best customer service, satisfaction, and taking care of you and your furry family member. They will follow up with all the questions, concerns, and claims you may have in an extremely fast manner. There have been numerous times when one of the Embrace Customer Representative will email me to follow up with my claims to ensure both my pet and myself were taken care of and that's how providing excellent customer service and feedback should be. I would highly recommend Embrace to any new customer seeking out a reliable and affordable pet insurance company you can trust on!
5

out of 5

POSTED: | BY: Heather Houston

Reliable insurance

As a retired attorney who worked with many insurance companies, I am very impressed with Embrace. They have done exactly what their contract says they will do. We have had their insurance for over three years now and have had to use it for two major incidents with our two dogs. The first incident required an expensive lab report to diagnose our dogs condition. The second incident was a cruciate ligament tear where the surgeons had to re-engineer the joint. This was very expensive and I am so very glad we had this professional insurance company to help us cover the costs. In addition to being professional, they are also compassionate. I have recommended them to my animal loving friends and do not hesitate to endorse them here.
5

out of 5

POSTED: | BY: Susan Harmon

Very good coverage and Customer Service

I've been using Embrace pet insurance for several years. Thankfully, I haven't had any big emergencies. I paid for the wellness rewards for a while, but in the end dropped them because they're not really worth the hassle. I had 4 pets getting wellness rewards and between all 4, I maybe saved $80 a year on vet bills and medication (flea/tick). I often ran into the problem spending more than the plan covered for one pet and not quite enough for another pet. Any issues I had with claims or anything else was resolved in a timely manner. However, I'd just say that it's definitely better to call them because it takes them a day or two to get back to you by email.

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 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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