5
out of 5
POSTED: | BY: Harvey Miller
Always great service
Always great service. Friendly, knowledgeable staff. A pleasure to do business with.
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4.9
out of 5
Number of reviews 19,756
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: Marie G.
With you to the end
I adopted a senior dog when he was 9 and ended up switching insurance to Embrace early on because their rate was super competitive. That choice came with a bunch of other perks. The submission process was simple. The reimbursement criteria was clear. Any staff I dealt with were super helpful.
The last 2.5 years of my dog's life were a lot, medically speaking. He beat lymphoma and lived a really long time with kidney disease (with a bladder stone removal surgery in the middle!) And because I had this insurance, I never had to make a decision where money was a factor in whether I could help my dog continue his fight to keep living.
My only criticism is that their app and upload technology have become increasingly difficult to work with. I can't even use the app to submit a claim without it crashing. I would strongly encourage them to allocate some resources to improving this essential piece of their infrastructure.
5
out of 5
POSTED: | BY: Mitch
Best Customer Service, Ever
Most insurance is the same, similar costs and similar coverage. What makes a provider stand out is how they treat you. If you call Embrace you will speak to a person within minutes and they will be kind and helpful. When you make a claim you'll get a response within days and the payment then or soon after.
Some other place may have a slightly cheaper rate but no where else has this level of customer service!
3
out of 5
POSTED: | BY: Colton Malone
The insurance is okay
The insurance is okay. Verify you have the correct zip code with them. Mine went unverified for a year and I called to quote adding another dog and because my zip code was wrong my rate went up $16 per month.
5
out of 5
POSTED: | BY: Nick Hartley
Fast customer service and claim reimbursements
Customer service is quick to answer calls, very polite. Process claims quickly for reimbursement.
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.