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: Donn LiPera

Best ever customer service

We have had several expensive vet visits for our 11 year old marmalade and white cat Andy over the last few months. Embrace has provided reimbursement checks for approximately 5 or 6 different claims in less than 2 weeks. I wish I could find a human health insurance company with the customer service of Embrace.
5

out of 5

POSTED: | BY: DJ

Great In Everything

Quality, Professional, Caring, Efficient, Superior, No Gimmick, Excellent Provider. They are the very best, I sleep at night knowing our beloved dogs have a quality plan that keeps them safe and well. all four of our pups are insured with Embrace. As I said they are caring, effete net with claim processing, this is quality coverage and they are superior in everyway. Not one gimmick with Embrace, genuineness through and through.
5

out of 5

POSTED: | BY: Bill

Great service

Our puppy had a fractured tooth that had to be removed. We submitted a pre-certification to Embrace, had that approved, and they covered just about everything. They're great to talk to over the phone, too - their people are friendly and very service-oriented. Highly recommended.
5

out of 5

POSTED: | BY: Paula

Fantastic

Embrace may be a bit costly up,front but is ABSOLUTELY WORTH IT!!! They process claims quickly, are fair, follow their guidelines and the customer service is excellent. If you have a breed prone to issues, insure them with Embrace ASAP. I have had 2 Yorkies with knee and hip problems and it has been worth every penny. Not to mention, the insurance has allowed me to,get help,for,my dear ones when I did not have enough savings to cover the costs.
5

out of 5

POSTED: | BY: Daphny

Merci Beaucoup, Embrace!

We went to France for 5 months and took our German Shepherd dog with us. When she got bronchitis and had severe problems breathing, we took her to 3 different vets. We weren't sure if our Embrace policy would cover us abroad, but thankfully it did. The staff was very helpful and fast in processing our claim. Merci beaucoup!
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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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