Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Martha

Have been with Embrace since 2006

I have 8 dogs insured with Embrace and have been a customer of theirs since 2006. While they certainly have grown in the past seven years, they still strive to provide personalized service. I have had many significant claims over the years, and normally if there is a delay in processing they will send an email explaining why things are taking longer than usual. Their representatives are compassionate, as well as professional. Their policies are well-explained in the documentation they provide, as well as on their website. My dogs have accident and illness insurance and I find that for a multi-dog household, the quality and cost of their coverage is the best out there.
4

out of 5

POSTED: | BY: Jim

Follow Up

We joined Embrace 6 months ago. Since then we have been fortunate not to have had any major issues with our Yellow Lab Cooper. We have submitted wellness receipts and the follow up and speed of processing has been exceptional. Keep up the good work!
5

out of 5

POSTED: | BY: Brian

Simple Process

I'm not sure how anyone could complain about the Wellness! You get back EXACTLY what you put in! What's there to complain about there. I've had several different policies on my pets over the years but have been with Embrace for a few years now. Hands down - they are the BEST. Easiest claim process, quick reimbursements. So good that I became and affiliate and made $100 last month! Keep up the great work Embrace!
4

out of 5

POSTED: | BY: Suzanne

Off to a Good Start

Thus far I've been impressed with Embrace's response and correspondence. I get real humans when I call, nice ones at that. Additionally, I'm kept informed about claims status...submissions, reviews, and payments. It's a nice system and it makes me feel as if I've really got a partner for my dog's healthcare.
5

out of 5

POSTED: | BY: Mary

Embrace is better than my health insurance

I swear my cat gets better health care insurance than me. Embrace has a clear cut policy that is easy to understand. Their customer service is outstanding. My cat was chosen as an Embrace Pet of the Week. I have nothing but great things to say about them. Well worth the money!!!
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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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