Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,940

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: Vadim

Excellent

We have nothing but great things to say about Embrace. From rates to coverage, from claim submission to resolution we have experienced sheer excellence from Embrace and its staff. No misrepresentation, no ambiguity. Thank you very much for the excellent service! This has been "Nothing but net!".
5

out of 5

POSTED: | BY: Patricia

Embrace is a Godsend

Our six year old Tibetan Terrier has been receiving chemo for lymphoma for the last 4 months. Embrace has responded very quickly to our claims and paid exactly what we expected. Their customer service staff is very professional, pleasant and well-informed. We are very pleased with the overall performance of Embrace insurance.
5

out of 5

POSTED: | BY: Patricia

Our pets are precious

We have two Bernese Mountain Dogs. Embrace has been a wonderful partner in assuring their well being and also in terms of urgent care. We highly recommend the team at Embrace for their professionalism, service and most important personal follow-up. The ease of filing (and immediate response) status check of claims and payments on claims is impeccable.
5

out of 5

POSTED: | BY: Judy

Quick response

After being denied the first time, we did an appeal. Customer service during this time was excellent. Embrace Staff guided us through the process of the appeal. In the end, the decision was reversed. The whole process took less than a month. I have a had other insurances which dragged it on for months.
5

out of 5

POSTED: | BY: Dewayne

Very Happy

I am very happy with the service provided by Embrace. I have received timely responses when I have submitted a claim. I have had very little question concerning my claims. When I have had to speak to someone about a claim or coverage, they have been very helpful and pleasant. I will renew my coverage when that times comes.
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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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