Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Elaina

We're still thrilled with Embrace a year later...

The level of customer service and the speed of reimbursements has been stellar. I especially love the way they always ask you to give your dog belly rubs from them. :-) I'd recommend Embrace to anyone.
5

out of 5

POSTED: | BY: Jodi

Efficient, effective and personal

We have had Embrace Pet Insurance for about 8 months and our little Naia has had some issues. Not every claim has resulted in a reimbursement but even when our claim has been denied we have been satisfied because of quick and effective communication. When our most recent claim was filed, we were reimbursed immediately and without any hassle. Embrace has been outstanding and treats our pet and us with great respect and caring.
5

out of 5

POSTED: | BY: Angel

I have been very satisfied with Embrace and their

I researched pet insurance companies before embrace, and Embrace had the highest ratings. Angel was 6 months old when insured. She is now 3. Embrace has always acknowledged claim immediately and settled within 2 weeks. Thank you.
5

out of 5

POSTED: | BY: claudia

great customer service

we are clients since years and appreciate the timely manner in which claims and issues are adressed - wonderful employees who respond immediately, we are very happy to have chosen this insurance for our beloved furperson!
5

out of 5

POSTED: | BY: Rebecca

Excellent communication and follow-through

This is my first experience with pet health insurance and so far I am very happy. I needed a lot of explanation and then made several changes in the first weeks of my new policy and each time I phoned Embrace the reps I spoke to were courteous, patient, and took immediate action. Every phone call was followed by a confirmation email letting me know the requested changes had been made. I've only had one vet visit so far and I received a partial reimbursement check for that visit about a week and a half later. Having never had pet insurance before, that check made my day! I look forward to my future dealings with Embrace and feel like just knowing the insurance is there lifts the burden of wondering "what if" when it comes to the health care of my dog.
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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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