Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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: deb

One of the best things we have ever done!

Embrace is great!! easy to use......responsive.....updates come timely.....great experience for a first time pet owner! SOOO much easier than insurance for the other members of our family.
5

out of 5

POSTED: | BY: Michele

More companies should operate like Embrace!

In today's world where we deal with so many different companies every day, it's important to recognize companies like Embrace that provide an outstanding customer experience instead of just complain about the bad experiences. Their processes and communications are clear and concise, and ensure that the customer understands every step of the way. Every employee I've ever worked with throughout the claim process has treated me respectfully and treated my claims with the utmost care and professionalism. Kudos to all, and WOOF from my Bear!
5

out of 5

POSTED: | BY: Tom

Great service, no hassle, quick turnaround

We are so impressed with these guys (and gals) at Embrace. They process the claim and send a check before the credit card bill arrives. Sweet! The nicest thing is that our vet will file the claim for us; they do this for Embrace policy holders (but NOT for those of the other insurance companies) because it's easy for them and keeps us happy. We have not had any major illnesses, but I think we've already gotten back in nine months nearly as much as the cost of the policy. It adds up fast.
1

out of 5

POSTED: | BY: Marsha

Not surprised

Took our 10 month old kitten in for unspecified pain in the rear end. Physical exam showed no obvious injury. Blood work came back normal. Vet expressed her anal glands as a possible cause was sent home with pain meds. During the exam the vet on call noticed she had she oral issues with her adult teeth. Embrace has now decided our visit was for dental issues and never even addressed the reason we took our kitten in. We made a separate appointment for our kitten to have her mouth evaluated by our regular vet who sent pictures to the specialist. I notice looking at our online pet portal that our kitten is now listed as having diarrhea as a pre existing condition when she was less than two months old. Embrace came highly recommended. I feel a bit disappointed and thankful this wasn't a full blown medical emergency. Now I have to wonder if they're going to use baby kitty runs as a reason to cover nothing the rest of her life.
5

out of 5

POSTED: | BY: Tracy

Fast processing of claims

My insurance claim was processed very quickly, very happy with embrace insurance company. So glad I chose to get insurance on my pet!

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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