Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Theresa Ferrell

They treat our pets like part of the family!

Unfortunately our 3 y/o Rottweiler needed to have TPLO surgery. Embrace helped with all our needs & were very professional and extremely helpful with all aspects of our experience. We are very pleased to have them on our side & would recommend in a heartbeat!! Thanks for taking care of Morgan and making decisions on her care just a little easier! She is recovering well & we thank everyone!!
5

out of 5

POSTED: | BY: Jennifer

Illness/Surgery

I have been an Embrace member for 7+ years and every time I file a claim, they are prompt and courteous. I love that they acknowledge when the claim was received and will let you know timing of reimbursement payment. It is easy and efficient. I am so pleased with their customer service and have recommended Embrace to my friends over the years and will continue to do so. Thank you!!
5

out of 5

POSTED: | BY: Colette

Awesome Pet Insurance and Wellness Plan!!

I love Embrace Insurance! The representatives on every level are very kind, thorough and professional, and they go out of their way to help you. In one case, too, I needed to be reimbursed very quickly, due to my fixed income, so I made a special request for them to expedite my numerous claims and they did! I don't know how Embrace makes every customer feel special, but I believe their excellent customer service- which adjusts to each client's needs- is a big part of the reason they're such a great company. Thank you, Embrace!
5

out of 5

POSTED: | BY: Cary Polevoy

A godsend

We've been with Embrace for more than three years. Some people believe that pet insurance is a waste of money. I must admit, we've had our dogs insured for about fifteen years and most of the time we just had routine health expenses. But we buy insurance for the big problems and one of our dogs developed congestive heart failure a few months ago. This is when insurance pays for itself! And for peace of mind! Embrace has been the best insurer for us by far.
5

out of 5

POSTED: | BY: Mark W

Meets expectations in a big way....

Embrace's staff is very knowledgeable and helpful anytime I call; which doesn't happen much. It is good to know I won't have to battle my way through phone menu hell. More to the point, Embrace has met every expectation I have as it relates to the insurance policy. No doubt I am getting all of the service I signed up for - unfortunate for my cats who have had their share of procedures. However, they are still around as two of them would have died had I not had the insurance. Thank you Embrace team!!!
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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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