Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Kim

Excellent coverage

In March one of my dogs was diagnosed with Addison's disease and required 3 days of care. Embrace reimbursed me 80% after the remaining deductible was met. She currently has to have monthly shots and daily medication to control it, which cost over $200.00 per month. Embrace reimburses me 80% on the medication after deductible is met. I have had pet insurance on my pets for several years, but Embrace provides the best coverage for the services my pets need.
5

out of 5

POSTED: | BY: Louise

Love Embrace

You folks are very helpful and cover so very much
5

out of 5

POSTED: | BY: Ronald

Great Customer Service

I have had Embrace Insurance now for several years and I am extremely pleased with the customer service, immediate follow-up, and the professional and gracious way that every representative of the company has dealt with me. They understand the anxiety that people have when their pet is sick, and how financial expense just compounds the frustration. I only wish my family health insurance company was as client-oriented as Embrace.
5

out of 5

POSTED: | BY: Larry

Quick Response

After reporting a reimbursement oversight to Embrace, my inquiry was quickly answered and resolved. This level of service is what I have come to expect from Embrace.
5

out of 5

POSTED: | BY: Debbie

Consistent Excellence in Customer Service

I can't say enough positive things about my experience with Embrace Pet Insurance. I've told my vet repeatedly to recommend them highly. I insured two kittens that were healthy when we purchased the Embrace Pet Insurance. One of the kittens developed a serious digestion problem and needs to have steroid shots every 5 weeks. Embrace covered the stated amount of the diagnostics tests and the ongoing shots. The process is easy and accurate. Additionally, they reach out to confirm that I receive the check and when I email or call/chat they know who I am. My son told me it was a marketing tool, but I prefer to think that they really do care about me and my cat. At least it makes me feel that way. I highly recommend Embrace Pet Insurance.

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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