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: Kristin

Absolutely Amazing

My pup Lucy started out with vomiting and other nasty things. It graduated to her being lethargic and not eating. On our third trip to the vet, Lucy had a fever of 105.3 and her liver numbers were ridiculously high. She was hospitalized immediately and remained there for four days. She's getting better but her liver numbers are still elevated. We are still seeing the vet on a frequent basis for monitoring. Working with Embrace has been SO easy. The claims can be submitted electronically and, so far, all communication has been via e-mail, which I like. Of course I could call in if I preferred to communicate that way. I used another insurance company for one year and then moved to Embrace and I am SO happy I made the move. Embrace is great!
5

out of 5

POSTED: | BY: Judy

Great communication!

I have had an Embrace policy for my Lab, Tyson, since we brought him home 3 years ago. I have found the customer service to be terrific and easy to follow.
5

out of 5

POSTED: | BY: Rise

Professional ,sympathetic prompt in payment

I was overwhelmed emotionally and financially by my dogs sudden catastrophic illness. Embrace answered the phone, all questions and put no impediments in his immediate treatment. They have paid exactly what they are supposed to pay and by direct deposit making it all seem much easier. I am impressed and thrilled with this company.
5

out of 5

POSTED: | BY: Heather

Excellent Service

Once again Embrace has come through for me. My poor 6 year old lab Sammy tore his left ACL last May and his right ACL a few weeks ago. Both required major surgery, which is incredibly stressful. But the Embrace claims process is so easy, and the customer service representatives are wonderful. I do not know how Sammy and I would have made it without Embrace. I recommend Embrace to all my pet-owner friends and family.
5

out of 5

POSTED: | BY: LUANNE

Great Customer Service and communication

Thank you for your prompt and outstanding means of communication. I am very pleased with the service you provide

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 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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