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: Judy

Excellent Insurance!

I have used Embrace for the last 6 years and have nothing but great things to say about them. The claims process is very easy, the claims are paid promptly and they have a terrific option of depositing the payment directly into your checking account. In addition, they seem to genuinely care about the health of your pet. I wouldn't have a pet without one of their policies.
5

out of 5

POSTED: | BY: Jessica

Awesome service!

We have had Embrace for over 2 years, and this year in February we noticed our big dog Fred was limping and having trouble walking. We took him to the vet who was worried about his hips and took x-rays, we found out that he had a torn ACL. So I immediately called embrace for assistance with submitting the claim and discussing the coverage for my pup. During my first call to embrace I was in tears, I was concerned about my dog being in pain as well as the financial stress this would put on our family. When I spoke with embrace they were helpful, the representative showed empathy for my situation and even shared a similar experience she had with her pup, I got all of the information necessary to submit the claim and submitted my first claim. A few days later I even received an email from the representative checking on me and Fred and making sure I was able to submit the claim! We set up an appointment for the TPLO surgery and when they did his pre-surgery blood work they found a high level of lymphocytes in his blood which can be a sign of cancer. Again I called embrace and the representatives were helpful, they answered all of my questions and helped me through while I was in tears worried about my pup! Our family has been dealing with vets and submitting claims every few weeks as we have been working with internal medicine and oncology. We finally have a confirmed diagnosis of Chronic Lymphocytic Leukemia and will begin oral chemo therapy next week! Customer service 10+ they are always friendly, happy to help and able to seamlessly express empathy and understanding because they do truly care and they are pet lovers! Claim submission/approval and reimbursement 10+ the claims process is quick and so easy that I usually do it on my phone while I am at the vets office! They keep you updated on the process and thoroughly explain the coverage. I cannot explain how thankful I am for this coverage and for the help and support Embrace has provided! I have told everyone I know with pets to contact Embrace because I know without the coverage they have provided I would be unable to provide the best care for my big pup with everything going on!
5

out of 5

POSTED: | BY: Barry

Stellar Service

I am a first time pet insurance buyer with a new puppy named Riley. I have been so impressed with Embrace and their service I had to post this review. I have always had quick responses to my inquiries (being this is my first experience in this arena) and with the quick service for the wellness claims I have submitted to date. To say the least - I am a very satisfied client and highly recommend Embrace to anyone considering insuring their pet.
5

out of 5

POSTED: | BY: Kathleen

Quick Response to claims.

We had to take our pet to the vets due to his licking/chewing at an area on his leg/paw where the hair was gone and the area was red and he was continually licking at it. Could be underlying allergy and/or he scraped the top of right foot. Felt our claim was handled in a very professional and quick manner after submission.
5

out of 5

POSTED: | BY: Sharon

So far so good!

I have had Embrace going on my second year and so far am very pleased. Thankfully I haven't had to use the accident/illness portion yet but their wellness rewards program is great! It allows me to budget monthly to cover expenses I will have for my puppy and even saves you money! Their wellness claim process is so easy and quick and I have a reimbursement check within the week. Hopefully I won't ever have to use the accident/illness portion for my baby but if the way they handle their wellness claims are indicative of how they handle accident/illness claims then I am sure it will be a smooth process.

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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