Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Meike K.

Top Customer Service

Embrace has been great in these scary times that we had with Booster. We wanted to provide the best possible treatment for him so he can enjoy his life despite the epilepsy. He is only 2 years old. Customer service representatives are competent, friendly and very easy to reach.
5

out of 5

POSTED: | BY: Susan Fox

Excellent Insurance Company

Embrace is ace!!! Everything is made easy to follow after submitting a claim as they have a portal site. They are very efficient and professional. My claim checks were received promptly and there are explanations for those approved and those not which are far and few between. My other dog is covered by VPI insurance and I wish I could switch my dog to Embrace. I tell every pet owner to get this insurance.
5

out of 5

POSTED: | BY: Jane W.

Wonderful Pet Insurance Company

I would like to say thank you to the Staff members especially Ann, Brent, Milena & Sammi. Everyone went above & beyond to help process my claims after my dog Allie (Airedale Terrier) became so sick I had to let her go. (It's been a month today.) The Embrace Staff was caring, courteous, and extremely helpful going through this loss. I appreciated the card and the candle they lit at I REMEMBER YOU. I've used Embrace for all of my pups and always recommend your pet insurance to all that seek my advice.
5

out of 5

POSTED: | BY: Mary L

Thank you for great service.with real people.

I am grateful to Embrace for both Wellness and Accident/Illness claims. Ii appreciate being able to check details on-line + being able to communicate by both email and phone; also, for being able to have refunds go to my bank by direct-deposit. Am writing this not for one specific incident , but, as an overall comment.
5

out of 5

POSTED: | BY: Lynn Alessio

More than Pleased

I did extensive research before choosing Embrace. Time well spent. I had hoped to never have a need for a claim. But my playful young Rottie decided to totally shred the Cranial Cruciate Ligament in her right rear leg. So wonderful how easy and fast my claim was handled. Communication was stellar, the surgeon had not attached his invoice with the claim originally. It was easily and quickly rectified due to the speedy, great system and clear communication from Embrace. I have not had to worry about the credit card getting paid as the claim payments were received around the timing her stitches were removed.

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