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: Jennifer

1st Rate Service

I just put a claim in 2 days ago for my dog's neutering and the staff at Embrace sent me an e-mail letting me know they received the claim. The next day, I got an e-mail saying the claim has gone through. Quick and efficient work from the staff at Embrace. It is greatly appreciated to have such support from Embrace. I also thoroughly enjoy the fact that I can track the progress of my claim on Embraceinsurance.com.
5

out of 5

POSTED: | BY: Kim Golde

Awesome

I have had pet insurance before (VPI) and was not happy at all. My friend told me about Embrace and it has been a life savior. The customer service is great and I receive checks within a week of sending in my claim. I can not say enough about Embrace. Without Embrace I'm pretty sure my husband would have divoriced me by now!!!!!
5

out of 5

POSTED: | BY: Heidi D.

Very thorough and great customer service

I was a little skeptical obtaining an insurance company for my fur kids but have heard over the years how it has helped those around me when the time came. I was referred to Embrace by my cousin and finally decided to join. So glad I did. So far, I've submitted two claims for their annual vaccines and received full reimbursement under their plan. Glad to know they have the care that's need should something happen in the future. And great customer service.
5

out of 5

POSTED: | BY: Eric D

Providers

I have had several pet insurances and Embrace was just as good if not better. I really do like the way business is conducted here as claims and follow up is quite painless for me. If I cant find a particular receipt Embrace's talented staff do detective work when I can find the proper paper work and that is a time saver. Happy New Year. Eric
5

out of 5

POSTED: | BY: Brian Finkenthal

Good Overall Experience

Good overall experience.
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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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