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: Nikki

Fast and efficent

I have already recommened two of my family members to embrace. I have only been with embrace since August but already had a claim when my boy decided to eat some pain pills. Once i put my claim in embrace stayed in touch through email me letting me know through each step of the claim process what was going on even checking once they had sent the claim money check to make sure i had it. They have done a wonderful job and i would recommend them to all pet lovers. Thank you Embrace!
5

out of 5

POSTED: | BY: Lori

Excellent Customer Service

You don't have to hold, or press a whole lot of numbers before you get to speak to a live person. I got step by step updates on the progress of my claims, and all employees have a genuine interest in helping. Courteous and timely responses to all all inquiries
5

out of 5

POSTED: | BY: Susan

They always come through

Our dog required a follow-up surgery when a mastocytoma was not completely removed. The surgery was over $3000 because a specialist had to enlarge the margins of the prior surgery and remove a flap from her belly to cover the large wound. Embrace paid everything other than our deductible and take home meds. We have had several claims over the years and they have always been reliable in paying what they say they cover.
5

out of 5

POSTED: | BY: Pat

Great Claims Service

I have submitted several claims for my 1 year old cavalier king charles spaniel. Each claim has been reviewed and ultimately paid ina very timely manner. Thanks Embrace!! I couldn't be happier with my choice for pet insurance
2

out of 5

POSTED: | BY: Douglas

Increasingly Poor Service

Every claim that I submit it seems like I automatically get the "apology email" saying that "it is not like us" and "we don't normally take this long". It is becoming clear that you do normally take this long and you take advantage of your customers.
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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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