Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Lois

Excellent customer service

I have found EMBRACE to have friendly, responsive customer service. In fact, they are PROactive, which is extremely unusual--at least for human insurance companies! I have appreciated their "Keep in touch" approach, even when claims are processed a bit more slowly than they expect or would wish. In fact, the lag time was not bad at all. Great service!
5

out of 5

POSTED: | BY: NIKOLOS

2 claims in a week

Our 1 year old dog ended up getting very sick was in vet hospital for 2 nights, came home for 3 days and the same thing just not as bad. Went back in for a day. Resulting in over 1200 dollars in billing. Thank you embrace for rewarding our claims. Resulting in us getting back over 800 dollars that we wouldn't have without pet insurance.
5

out of 5

POSTED: | BY: Robert

Fantastic Assistance For Our Lab!

I am very pleased with Embrace Insurance. Our vet Dr. Julia Johnson recommended Embrace and we purchased the first year in April.Our Labrador Retriever Bailey tore up her knee subsequently and after a thorough review of Dr. Johnson's notes, Embrace paid our claim. They are courteous and responsive and I would recommend to any pet owner.
5

out of 5

POSTED: | BY: Paulo

Best service of any pet insurance company!!!

We have been an Embrace customer for about four years and we only have good things to say about this insurance company. The service is fast and of excellent quality.Thank you Embrace for all your attention.
1

out of 5

POSTED: | BY: Lindsay

Slow and all messed up

After waiting nearly a month for my claim to be looked at I got an email with missing information, wrong information, and never received my reimbursement. Had to call. People on the phone were nice and corrected the error.
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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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