Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Holly

customer service personnel prompt and helpful

On several occasions I had questions about my coverage and the Embrace staff were very courteous and helpful over the phone. We received a lovely card when our dear Sam passed away and all information about claims submitted was processed and explained efficiently and promptly. I would recommend this insurance company.
5

out of 5

POSTED: | BY: FW

Great Coverage.

Our puppy was being treated for some possible allergy issues. Great service, and a big help with expenses. Worth the premium.
5

out of 5

POSTED: | BY: Donna

Tia and Jessa

Recently little Tia developed a terrible itch around her mouth. I took her to the vet who suggested I see and allergist. So I had two claims. Embrace contacted me right away to let me know that the claims had been received and then again when the claims were processed. Couldn't ask for anything easier. Thank you for all you do
5

out of 5

POSTED: | BY: Julia

Worth It

Navigating the pet insurance world was new to me and my husband. We weren't sure if we even needed it. A coworker of mine recommended Embrace. We researched it and signed up. We're so happy we did. Our pup has had a few illnesses and Embrace has really come through. Their customer service is friendly and prompt. I highly recommend them.
5

out of 5

POSTED: | BY: Shelley

Fast claim return and customer service

I have had Embrace pet insurance for several years now and my cat was recently diagnosed with diabetes, so he is having regular vet checks, tests, and expensive insulin. I have had 4 claims in the past couple of weeks, and once they had the diagnosis confirmed with the vet, all the claims were processed in a couple of days. I emailed customer service a couple of times when I first submitted the claims and was always emailed back promptly, and within 12-24 hours. The funds were deposited directly into my bank account which is great and very convenient. In addition I was emailed (a personal email) after all the claims were deposited to make sure that I received them all. I gave the rating a 9/10 only because I dont give 10/10 because I believe that everything, no matter how good, has room for improvement. I have no complaints and only positive feedback for Embrace. The only think I would say that I noticed could be improved is the speed of the links on the website. Im not sure why it takes so long to go between pages - and it isnt "long" but longer than normal (in this instantaneous digital age).
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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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