Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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.
4

out of 5

POSTED: | BY: Dee

Very good!

I have a dog that must have eaten something bad coz he was hacking away and puking like crazy for a few days. I paid my vet upfront, but then Embrace took the history information from the vet to check that he hadn't puked in the last year, and then sent them the info they needed. My vet was super awesome and sent them the info, and I got the check from Embrace. I had to call them a few times before I got some work done to ask them if they will cover it, and they asked the vet for some info on what needed to be done and told me they would cover it. Overall, a good experience. I'll keep them on in the future as well! And my vet, they were super great too!
4

out of 5

POSTED: | BY: Jeff

Friendly and Personalized Experience

We've had insurance through Embrace for a couple years now and are completely satisfied with the service they provide. I can't speak to the cost comparison with other companies as this is the first one we chose for our dogs. What I can say is that all claims are taken care of in a prompt manner. If there are any questions, we can get in contact with someone who will answer those questions with a smile on their face the whole time. Embrace even covers your other than average therapies. Our dog tore her tendon in her leg and we were able to get a brace for her along with stem cell injections and physical therapy. It was all covered! We also receive monthly newsletters with helpful safety and informative items in it. Lastly, I have received personal emails from the company following up on payments and asking about their level of service to us. I would highly recommend Embrace to any pet owner.
5

out of 5

POSTED: | BY: Diane Andrews

Good insurance

I have had this insurance from the second day that I got my pug puppy-almost 5 years. They have come thru time and again for all of her issues. I love the added wellness amounts. My vet processes all my claims and I receive the reimbursements promptly. I am always able to reach an Embrace representative. This claim was for an ear and eye recheck.
5

out of 5

POSTED: | BY: Diane Andrews

Good insurance

I have had this insurance from the second day that I got my pug puppy-almost 5 years. They have come thru time and again for all of her issues. I love the added wellness amounts. My vet processes all my claims and I receive the reimbursements promptly. I am always able to reach an Embrace representative. This claim was for an ear and eye recheck.
5

out of 5

POSTED: | BY: Pat S.

Good customer service

Our latest claim was for our dog's annual check-up, allergy medication refill (not covered), year supply of NexGard and HeartGard, etc. The vet clinic sent in the claim for us and Embrace sent an e-mail promptly to inform us that they received it. An estimate of the reimbursement followed within a few days and then the reimbursement check came shortly thereafter. Have not had a problem so far with Embrace with any claim.

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.

Get a quote today

Leave a review