Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Jane

Can't Say Enough about Embrace

Best investment I've ever made. Staff is extremely friendly and respond quickly to any questions or concerns I have. I only wish my human insurance was so easy to deal with.
5

out of 5

POSTED: | BY: Judith S.

Good Job, Follow Their Policy Terms and Promises

I signed up for Embrace based on the reviews here as primary insurance for one dog and secondary for another. The rates were extremely reasonable (almost) half due to their non-breed pricing. The dog with the dual coverage got sick with Embrace as the secondary coverage and they have kept their word as per their policy and supplemented coverage. It did take a bit of nudging to the CEO to move things along, but once I did, everything has gone smoothly. I still especially like their policy of reviewing your pet's records in the first 30 days to ID all preexisting conditions on the record. This way you don't have to worry later about your insurance company coming up with something after the fact.
2

out of 5

POSTED: | BY: Dave L

Dog owner

why do I have pet insurance, if they only cover the initial visit but not the follow-up? Thank you for covering the first visit even though the second visit was not covered.
5

out of 5

POSTED: | BY: C. Guebara

Excellent Service!!!!!

Embrace Pet Insurance has been a blessing. They have great customer service and really care about your pet. I have a Cavalier King Charles Spaniel who has had a rough year. She was diaganosed with Chiaris Malformation through MRI, which was not cheap, but with the Embrace Pet Insurance was manageable. I have had no problems receiving my refunds and the claim forms are so easy.
5

out of 5

POSTED: | BY: Columbo's dad

Just do it; you wont regret it.

I was very pleased with the customer service provided on the claim processing...with another claim still to be submitted I'm confident that too will be handled very well. Its a great relief to know the processing is handled so well. I get acknowledgement when the claim is received. Then they let me know it is being reviewed and how long to expect. And it was complete much quicker than expected - less than a week. EOB is easy to read, direct deposit is wonderful. The communication is kind and accurate and timely. Well done - it is appreciated.
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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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