Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Molly

Absolutely the best pet insurance!

I cannot say enough great things about Embrace Pet Insurance. My dog Twinkie has been ill for several years with multiple issues and Embrace has always provided excellent service for her needs. Twinkie recently lost her battle with kidney failure and it's complications, which was devastating. Twinkie's claim was processed quickly and an Embrace representative contacted me to offer condolences, which was incredibly touching. I actually maxed out my policy refund this year. This year alone Embrace paid out $10,000 towards my Twinkie. Embrace paid that amount, plus the multiple thousands of dollars over past years, with never a delay in claim processing or any major problems with claims which is amazing. The customer service is always great, and they were so compassionate in the end which really showed me they went above and beyond. Embrace allowed me to give her the best quality of life for seven wonderful years. I will definitely take out a policy with them with future pets. Embrace is without a doubt the best pet insurance company out there.
5

out of 5

POSTED: | BY: Michele

Convenience

Embrace reps have been so quick with turnaround of processing claims AND the communication regarding the claims.The EOB's are broken down and easy to understand! I always recommend EMBRACE!
5

out of 5

POSTED: | BY: Sandy

Wonderful dependable service.

All paperwork was handled with great ease. My Vet just faxes Embrace with all that is needed. My little guy, Louie was regurgitating his food and I had no hesitation in taking him to my Vet. I knew that I need not worry about Embrace taking care of this claim.. They have done so in very quick order! I highly recommend Embrace for all pet owners.
4

out of 5

POSTED: | BY: Ryan

Quick and personal assistance

So far I've been very pleased with Embrace. There are a few things I've struggled with --- submitting a claim that didn't get processed (which was then handled quickly by a real live agent, saving me extra work), lack of a really good online customer portal --- but overall I feel they do a great job.
5

out of 5

POSTED: | BY: Donna

Excellent Service

I secured Embrace for my now 6 month old puppy and have had two occasions to submit claims. On both occasions communications regarding status were prompt and timely and the claim was paid according to the policy parameters. Customer service staff are knowledgeable and helpful.
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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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