Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Bruce

Efficient and responsive

We've just processed our first claim with Embrace Pet Insurance and were impressed over the efficient and responsive service we have received via email and over the phone. The company has been easy to work with and has quickly processed our claim. The service is excellent and personable. Thanks. Bruce Giedt
5

out of 5

POSTED: | BY: Kim

We are very pleased with Embrace Insurance.

Having Embrace as our first pet insurance, we have been fully satisfied with the communication, assistance, and timely refunds. This is our second year with the insurance and would highly recommend Embrace.
5

out of 5

POSTED: | BY: Desiree

Embrace

Embrace handles every claim in an efficient and professional manner. I very much appreciate the speed, accuracy and competency with which the professionals at Embrace operate. I've given glowing recommendations to all of my pet-owner friends. Thank you.
5

out of 5

POSTED: | BY: eva

pleased from the start

Having researched and reviewed other pet insurance plans I knew Embrace was a perfect match for me and my two Newfoundlands.I purchased the plan that best fit our needs and dropped the other pet insurance company because of their terms. From my first contact to Embrace to the present,I have dealt with pleasant and professional people in a prompt manner.I have recommended it to all of our Newfie and non newfie friends.I am so pleased and will continue to speard the good word about Embrace because I truely believe that they care about the well being of our fury family members through their actions.
5

out of 5

POSTED: | BY: Tracy

A very reliable insurance company

For years I had no trust in pet insurance. It was too new and from everything I had heard from pet owners I knew who had insurance of any kind they always said it never paid properly. When I lost my two dogs that I had had for 9 years and got a new dog, I decided to at least review the pet insurances. I literally read each and every review from each pet insruance agency online. Embrace by far was the very best insurance company out there from the reviews that I read. I decided to give them a shot. Well, I submitted my first claim and was very pleasently surpised when in fact my claim was not only received and responded to in a very timely manner but Embrace paid off every penny I was owed back in an extremely timely manner as well. Needless to say I am extremely pleased with Embrace and their customer service is outstanding as well.

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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