Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Tanner

Great Service!

Staff always friendly, informative and prompt! The wellness option has been well worth the $. My claims for illness/injury have been exactly what I expected, never a surprise. When I needed to cut down my monthly premium, they worked with me to find the best option to keep good coverage and hit the price I was hoping for.
5

out of 5

POSTED: | BY: Diane Berglund

Very satisfied

This is the first time that I have had insurance on any of my pets. So far I have only had to make a wellness claim, based on that experience I find that the customer service department goes above and beyond in assisting you. I have been asked what company do I use for pet insurance and I always say you really should try Embrace. They are affordable and about the only one out there that offers wellness coverage at a very reasonable rate. I really like this company!
5

out of 5

POSTED: | BY: C. Percy

Re-opened Claim based on new information

Embrace has been excellent to deal with. Recently one of our dogs had a fast growing "thing" on one of her feet. The initial diagnosis was a "mass", which wasn't covered by our Accident Only policy. However, after additional testing, the vet declared that it wasn't a mass, but something caused by trauma. Embrace re-looked at the claim given the new info, and accepted it, saving us hundreds of dollars.
5

out of 5

POSTED: | BY: Raschelle

Wish EMBRACE was in the people insurance business

This company is FANTASTIC! I sent a notice to them letting them know that my new Labradoodle, Hera was being spayed. Not only did they email me the day of her procedure wishing my Hera a good surgery but they followed up after the surgery to make sure she was doing well. Claim time was less that two weeks and such a breeze. I am so glad Hera has EMBRACE in her corner!
5

out of 5

POSTED: | BY: Trey

Great Coverage

Submitted a wellness claim. There was $35 that was for treatment & not covered within 14days. They covered the full amount & issued payment promptly. Only suggestion is to communicate what portion will be covered, as it sounded like the entire claim was going to be denied.
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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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