Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: Jason

Great Insurance!!! $$$ well spent

I have an English Bulldog and it was suggested I get insurance because of the breed. Sure glad I did!! He's had several issues over the last year and they've paid every time, no questions. The wellness plan pays for itself. Easy to fill out forms, super quick acknowledgement of claim and quick pay (around a week) via direct deposit. I wish my human health insurance was as good:) Thanks Embrace!!!!!
5

out of 5

POSTED: | BY: Sabrina

Embrace is the best!

I've only had good experiences with Embrace Pet Insurance. Since opening an account about a year ago, I've filed several wellness and injury claims as well as pre certification for surgery, and have received refunds in a timely manner each time. The amount of the refunds has always been as expected and there have been no problems with receiving the appropriate amount each time. Customer service representatives are always cheerful and polite, and they also seem to really care about the well-being of my dog when I mention a medical issue. I only wish their website was a bit more user friendly when it comes to payment and my information. It would help if I could update information (i.e. payment information, etc) on the website rather than having to call during business hours, but that's a small detail. I think Embrace Pet Insurance is a no-brainer and I recommend it to my friends all the time!
5

out of 5

POSTED: | BY: Robin

Love the Wellness benefits!

So far I have only had Wellness claims, they have been handled promptly! I'm impressed so far with the service I have received! Direct deposit of claims has been very convenient! I have not had to call or check on my claims, they updated me frequently with the status of my claims. I have not had to use any of my Insurance benefits as of yet but the Wellness benefits have been wonderful!
5

out of 5

POSTED: | BY: Stephanie

Fast customer service

I haven't had my policy for very long, but so far so good! I received very quick responses to my inquiries and the process was explained at each step of my claim.
4

out of 5

POSTED: | BY: john

good coverage /great customer service

I have the wellness as well as total coverage for sickness and accidents. I'm currently going through an illness with one of my babies and embrace has been excellent so far. im happy with my decision to change over to embrace.
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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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