Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Mary

Efficiency

Embrace lets me know when they receive my claim, tell me that they are working on it. Then I get an e-mail telling me what they found or ask for additional information. Then I get my payment followed by an e-mail aking me if I received the payment! the follow thru is amazing! Start to finish!
5

out of 5

POSTED: | BY: Erin

Prompt at getting money back!

I have been a customer of Embrace for a little over a year and have been very happy with the service. Not only are they very prompt with getting claims processed, but they have always found funds covered by my insurance! I'm so glad my dog is covered.
5

out of 5

POSTED: | BY: Mary

Confidence and reassurance

Having this insurance has provided me with the peace of mind and confidence needed to totally enjoy my pets. I love doing things with my 3 goldendoodles and they go everywhere with me. I am very cautious about where they go and they are very well behaved, however, they are dogs and love to get into things. Knowing that if any of them would have an accident or medical problem gives me the confidence and reassurance to relax and enjoy them.
5

out of 5

POSTED: | BY: Mike

Excellent customer service!

Very clear instructions and timely responses by customer service and the claims department. A very smooth process.
5

out of 5

POSTED: | BY: Kim

One word - Yippee!

This was my first experience with Embrace. I was skeptical about how they would actually pay out on the claim. OMG! I submitted my "wellness" claim and a week later the entire claim was direct deposited into my account. Could not have been easier! Had the vet fax over the notes from visit, with a receipt - done! Customer service is wonderful! Yippee! So happy I went with Embrace - thank you!
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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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