Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Vickie

So easy to work with!

I'm absolutely thrilled with my experience with Embrace thus far. I made a Wellness claim and had no issues with submission, approval or documentation. They make the process so easy. If only human insurance was this easy! Thanks - I've been recommending Embrace to all my pet owner friends.
5

out of 5

POSTED: | BY: Audrie

I switched from 24Petwatch, and I'm so glad I did.

Dollar for dollar, Embrace is the clear heavy-weight among the choices for pet insurance. I was fed up with 24Petwatch because of the terrible customer service, the auto-denial of claims, and the pittance they did offer as reimbursement when I was finally able to wrangle it out of them. My policy for my two dogs with Embrace is only $9/month more, and it is worth every penny. The customer service is outstanding. I wish they could train every customer service agent for every industry. We would all be a lot happier. I just got my first reimbursement check today for my dog's annual wellness visit (I pay the extra $14/month for routine care), and I received a 100% reimbursement! The check came less than 2 weeks after my vet faxed in the claim form. I could not be happier with Embrace. Seriously, if I could kiss them I would.
5

out of 5

POSTED: | BY: Meghan

So very helpful

So glad I bought from Embrace. Have a younger dog, 14 months, and it is a relief to know I have what I need for her. Made one small claim so far and was handled quickly and fairly, they respond to any questions I emailed in less than 24 hours. so happy to have found you, thanks.
5

out of 5

POSTED: | BY: Sheryl

"on time" replies and refunds greatly appreciated!

I had been between Veterinarians for various reasons and getting their notes were nearly impossible. Embrace was patient, polite, reopened the case and had a response for me in 2 days!
5

out of 5

POSTED: | BY: Bradley Land

Comprehensive analysis of submitted billing

Personally, I am very fond of Embrace - they have helped me with my furry family for almost 8-9 years now. Ginger is complicated, and from a simple health wellness exam sometimes comes many other things that are going on that she needs to have addressed. Some of these issues, are her ongoing illness's, primarily around issues of allergies and UTI infections. So, Embrace stands bold in helping me sort through the complications of illness and health wellness, two very separate things, and I remain grateful.
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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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