Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Sarah Schoettler

Wonderful

My cat was injured and we had to go to the vet almost weekly throughout the summer. I could not have done this without Embrace. First, their customer service is exceptional. Everyone I spoke to on the phone was very polite and understanding. They answered any questions I had. Communication via email has been quick and also very pleasant. The coverage is amazing and I have recommended them to many of my friends with pets because I don't know of any other pet insurer as wonderful as Embrace.Keep it up! Thank you!
5

out of 5

POSTED: | BY: Ginny

Wonderful company

I currently have 4 dogs covered with Embrace and have been very satisfied with them. The only time I've had trouble getting a claim paid was with a new pup who had been added to my policy. Embrace wanted prior records from a chiropractic vet when the visit was his first there. Obviously, no records to be had. After several communications, the matter was resolved. All other claims have been paid quickly. I highly recommend this insurance.
5

out of 5

POSTED: | BY: Margaret Ward

So happy I switched to Embrace!

I cannot speak highly enough of Embrace. I switched from another pet insurance company after doing a little more research and found that Embrace not only gave me the most for my money but has been wonderful to work for. I love the annual deduction, that applies to all claims, not just per incident. Their response to claims have been very quick and they provide written responses from their team with itemized breakdowns of what was covered. My 3 year old Golden got into some chocolate over the Holiday Season and Embrace helped me not have to worry about the financial issues of going through that hard time. Again, I can't speak highly enough of this company and their professionalism, ease of use, and pricing.
4

out of 5

POSTED: | BY: Susan Kendzior

Vet/Embrace Communication Gap

My vet faxes the claims but many times Embrace does not seem to receive them. Recently they faxed 2 claims (separate dates). Embrace responded with one claim number so I wrote back and questioned the vet and also questioned Embrace as to whether they had indeed received both claims. Embrace assured me they had and then I received a response for only one claim. I had to contact Embrace again for the second claim and ask my vet to refax the 2nd invoice again. This has happened repeatedly in the past. My vet is very efficient. I love Embrace insurance and am usually very happy with the service but I would like to see this communication improved.
5

out of 5

POSTED: | BY: Lynn Wesch

You take a load off my shoulders.

I'm so glad I chose to insure my dogs with Embrace. I feel confident I can give my dogs the care they need with less monetary stress thank you all.

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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