Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,476

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,476

Updated: May 29, 2024

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: Susan G.

Reliable, fair service

This was at least my 7th or 8th claim for my 2 dogs. I have always found the reimbursement to be fair, the customer service excellent and claims settled in a timely manner. I have recommended Embrace to all my friends with pets. I feel fortunate to have done such a thorough online search that I chose Embrace.
5

out of 5

POSTED: | BY: susan furek

great personal contacts

Initially I was pretty frustrated with getting reimbursed, but part of the problem was that my secretary was supposed to handle the claims and told me that I wasn't covered for various things. Once I started dealing with it myself, I did receive reimbursements. My daughter was just married so I've been really busy with other things, but I intend to be more proactive and I'm sure the response will be good. My only frustration would be that the Vet doesn't fill out the paperwork at the time of service so that it can be faxed and then the insurance company's paperwork requirements get to be a bit tedious. Bottom line, though: Nothing is more important than caring for your loved ones... kids and pets included!
5

out of 5

POSTED: | BY: Glenda Peirce

Our First Claim Was Wonderful!

This was the first time we have ever submitted a claim with your company. It was completely painless and your customer service was so helpful! Everyone was compassionate, informative and polite. When we spoke to our veterinarian about how impressed we were with Embrace, they imformed us that they have never filled out a simpler form and are going to start recommending your company. Embrace would be a model for our governments health care reform.
5

out of 5

POSTED: | BY: Paula Ballard

After 6 years, we are still very satisfied

The service is very good at Embrace. Every matter is handled with professionalism, kindness and although there was a slight delay, more timely then any human health insurance. I did get an e-mail explaining that there was a delay, and the reason. I consider that excellent service. My veterinarian call me to ask my opinion of Embrace, how it worked and what he could do, if anything, to make sure he was filling out the paperwork correctly. I will follow-up with him to make sure he understands how pleased we are with Embrace.
5

out of 5

POSTED: | BY: Mary Ellen

Very prompt, professional, courteous service

I have had my 3 Irish Wolfhounds "embraced" for several months now and am very impressed with Embrace's service.They are very thorough, prompt, professional & courteous. My reimbursements have been received and explained quickly. I would highly recommend this Insurance company. So far, we are all very happy with them. Thank you!

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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