Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: SOKHARA

FAITH

I'm truly impressed with the service that Embrace provides, they had my claim processed within weeks,provided great service with care and understanding. I had so much faith in Embrace that I added my newly acquired puppy to the insurance plan before my claim was even finished. Its a comforting feeling knowing there's a company like Embrace around..
5

out of 5

POSTED: | BY: Gary

Embrace is NOT a typical insurance company

There are pet owners and then there are pet lovers. Being pet lovers, we didn't hesitate to pull out all the stops when our 10 month old puppy unbelievably came down with a deadly disease which he had been vaccinated against! After 2 vet hospitals we still had to transfer him to a third - Metropolitan Hospital in Akron where - with God leading the way - his life was saved, and he recovered to enjoy puppy-dom. Although Embrace initially turned down our claim, we asked them to take a second look as this was a freak occurrence, something five veterinarians said was unpredictable and rare. Much to our surprise, Embrace agreed that it was an extreme exception, that every precaution had been taken and yet the worst had still happened. These are real people who are willing to listen and delve into the particulars, definitely not what we expected. We thought it would be the same old insurance run-around with a "No" being the end result. It is really refreshing to finally find a company who is as good as their advertising and reviews. We had spent a lot of time reviewing pet insurance companies and we read the reviews and ratings carefully; this time we found a company which doesn't view all events as a black and white issue, but understands that life can take on hues of gray and that sometimes, man's best vaccines just don't eliminate the seemingly "impossible". Our puppy's survival is a miracle. Embrace took the time to review the impossible and stand behind us. They ar
5

out of 5

POSTED: | BY: Ana

It is easy to embrace "Embrace"

My experience with Embrace has been exceptional in every way. The customer service has been superb, with personal, compassionate and caring representatives. The claims are handled in a timely manner and reimbursements are swift. If only insurance representatives for humans were so compassionate and helpful! I recommend Embrace to every pet owner I know and meet. Thank you, thank you, thank you!
5

out of 5

POSTED: | BY: Alex

Our first experience is excellent.

We just signed up for Embrace and filed our first claim. The process was efficient, fair, and communication was first rate. We are looking forward to continuing high quality customer service.
5

out of 5

POSTED: | BY: Maddie's

Epitome of GREAT customer service

Embrace has been a pleasure to work with since the day I signed up 3 years ago. I haven't had any major medical issues with my dog (minor skin issues/allergies/ear infections etc), hence no payments/checks made yet. However, whenever I have had claims processed to be put towards my deductible, it's been done quickly, efficiently, and most importantly, with such a pleasant and helpful attitude. Most insurance companies look for reasons to reject your claim -but Not Embrace. I am blown away by how willing to help each representative is. They are the epitome of great customer service. So far so good! And I have recommended them to others, as well as my vet's office, and I only hear good things in return as well. They definitely go above and beyond, over other pet insurance companies.

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 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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