Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Debra Westbrook

Great service for our Frenchie's surgery!

Our French bulldog just had disc surgery - major operation. Embrace was exceedingly wonderful! Each claim was handled promptly and we were informed about the process each step of the way. Then the reimbursement was excellent for a very expensive operation.
5

out of 5

POSTED: | BY: Izzy

Takes great care of our puppy!

This is our first experience with pet insurance. Our puppy had several health issues early in life, and Embrace has been great in reimbursing our varied claims. I highly recommend Embrace.
1

out of 5

POSTED: | BY: Janet l

Bad experience

I bought pet insurance with the understanding that the records would be reviewed and exclusions would be clearly notes up front That was not the case and I will not recommend the company It could only work if you had s puppy so read the policy and don't get surprised with a 4K vet bill that I thought would be covered Bad experience
5

out of 5

POSTED: | BY: Sarah Kalman

Embrace

Late this summer I was researching coverage plans for my new Great Dane puppy, as I have never insured a pet before. I called Embrace and spoke immediately and directly with Darcy Lindner, Embrace Contact Center Mgr. I appreciated the fact that I was able to speak with a real person and not go through mind-numbing and frustrating prompts. Darcy answered all of my questions and helped me tailor a plan that is both comprehensive and affordable. I have thankfully not had to use the accident and illness coverage, but have filed a number of wellness claims already, whereby you are fully reimbursed for wellness vet visits and things like vaccinations, and flea/tick and heartworm meds. The claims have been processed quickly and the checks mailed to me within days. Underwriters Christine Markulis and Cassie Vasco have completed those claims both promptly and efficiently. I have also encountered other members of the Embrace family, namely Mike Lambert and Laura Bennett, who have helped me navigate the logistics of this process as well. I can't speak highly enough about the staff, and I feel like they are different than other insurance companies in that they truly care about my dog and me and want to see us get exactly what we need. I highly recommend this company to anyone who is looking to insure their furry family members.
5

out of 5

POSTED: | BY: Rebekah

Always a good experience with Embrace

I always have a great experience with Embrace. I've had them for almost 2years now. Getting my cat covered by Embrace has been one of the best decisions I've made. I never have to hesitate to bring him to the vet for any issues. And I recommend them to all my family and friends. It's truly great coverage for a great price.

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.

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