Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,317

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: Stephenie

PAID OFF IN LESS THAN 30 DAYS!!

I purchased two little french bulldog puppies, and decided that it might be a good idea to have them insured. I was not happy with VPI (my previous insurance company) and did all my homework and found Embrace. After two weeks of being on Embrace insurance, once of my puppies was stung by a scorpion. My little frenchie spent 3 days in emergency care in an oxygen box. I truly thought that Embrace would tell me no on covering since I wasn't on their policy long. BUT...THEY ARE AWESOME and covered it. They paid 70% of my bill (and my bill was $4400)! I would highly recommend them.
1

out of 5

POSTED: | BY: Diane McCormack

Your service SUCKS!

I WOULD NOT RECOMMEND EMBRACE and WILL DO EVERYTHING IN MY POWER TO DISCREDIT YOUR COMPANY!
5

out of 5

POSTED: | BY: Kathy T

But this insurance the moment you get your pup

I hate using insurance because it means my dog has problems, but this insurance has really come in handy to get through the hard times. Every time I go the specialty vet I recommend Embrace highly, and ask the staff to mention you if anyone asks.
5

out of 5

POSTED: | BY: Antonio Suarez

Prompt and super nice

My first Pet Insurance so I cannot compare, but I must say that my experience is superb! the Vet clinic faxed the claim form for me on a Thursday and I received an email the very next day and my check was in the mail on Monday. All of this while I was getting updates on my claim status. The process is painless and I even signed up to get my next reimbursements via direct deposit! the customer service staff (all three of them) have been sweet and sound happy to talk and answer questions.
5

out of 5

POSTED: | BY: Kathy Janes

Very, very pleased!

When I signed up for insurance for our dogs, I was overwhelmed by researching the many options. I finally decided we'd go with Embrace and I'm so glad we did. Their customer service is awesome; no matter who I speak with or email, the response is friendly and helpful. Now that we have a dog with an unusual illness, I couldn't be happier with the communication and the quick responses. The Explanation of Benefits is clear and the checks come quickly. Thanks, Embrace team!
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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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