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: Raj

Good coverage!

We got our first puppy home and are happy with our embrace pet insurance.The wellness coverage is great and covers all wellness visits with prompt reimbursements. Very good customer service for any questions we have.
5

out of 5

POSTED: | BY: Josh

Excellent Customer Service

We have had great customer service with Embrace. It makes a big difference to be able to speak with someone on the phone and explain what is going on with your pet.
5

out of 5

POSTED: | BY: Beth S

Great coverage and customer service!

I am in my second policy year with Embrace for my rescue boxer and it seems that the more I work with Embrace on the many claims I have had to submit for my boxer's numerous health issues the more I am impressed with them. Please know that any pet insurance company will not cover pre-existing conditions so it is incredibly important to review all of your pet's medical conditions/issues before purchasing any insurance for them. Talk to an Embrace representative about what your pet has had in the past and ask a lot of questions about what constitutes a pre-existing condition. Keep in mind that you will have to meet your annual deductible (you choose the amount of your deductible) before Embrace will start reimbursing you (if you can go with 90% reimbursement). Also purchase the RX Plan if you can because medications can get very expensive and add up quickly. With all that being said, Embrace has helped me keep my boxer as I would not have been able to keep him due to how much money it would have cost me in vet bills and medications if I didn't have insurance. Everyone I speak to there is caring and respectful and answers all of my questions (and I ask a lot of them!). If you are ever denied a claim call them and ask questions about the reasons that went into that denial and I guarantee they will work with you and let you know how to appeal a denial. Take if from someone who is not rich and who values good customer service above price - purchasing insurance through Embrace is one of the best things you could do to help your pet!
5

out of 5

POSTED: | BY: Cathy Journey

Great Experience

We had several claims when our dogs had a toe amputated and they were all processed very timely. Also, customer service was very pleasant and knowledgeable.
4

out of 5

POSTED: | BY: Fred Bingaman

Pleased with overall service and communications.

The only complaint I have is the length of time (5 weeks) that it took to process several of my claims.Otherwise the service has been very good and I would recommend Embrace to another pet owner.
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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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