Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,312

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: Mike Conover

Good Coverage

My Pup fell on ice and hurt both her knees. Claims were submitted to Embrace on 2/12/14 and check received on 3/21/14. This time included obtaining more in-depth information from the Veterinarian.
5

out of 5

POSTED: | BY: Barry Phelps

excellent customer service

I've only been with Embrace since March 1, but so far, so good! The staff explains everything in terms I can understand and is upfront and honest about what is not covered (i.e., pre-existing conditions, etc.).
5

out of 5

POSTED: | BY: Cindy Capell

So quick and easy!

My Christmas season was less than merry when my dog was attacked by another dog on Christmas Eve. Thankfully all he needed was stiches, but as we all know that's an expensive fix when you're talking about stiches in a dog. Once the holiday season was over and Auggie was all healed I submitted my claim. I assumed it would take 4-6 weeks. Imagine my surprise when I recieved a check in the mail just 10 days after my claim was submitted! I've heard horror stories of other pet insurance companies not covering things or "fighting" the claim. No issues here. I love and will highly recommend Embrace to every pet owner I know!
5

out of 5

POSTED: | BY: Ashley

Wonderful Company & Service

We've had Embrace for about a year now and I am still extremely happy with our choice in pet insurance. We recently submitted a claim and they processed everything (including getting a reimbursement check in the mail) in no time at all. I highly recommend Embrace if you are looking for insurance for your pet.
5

out of 5

POSTED: | BY: Danielle

Amazing Customer Service!

Every time I have called, I have receive EXCELLENT customer service! They are always friendly, helpful and take the time to answer all of my questions. The claims are handled extremely fast! We unfortunately had to return our adopted dog due to aggression towards our youngest , but we WILL be returning once we adopt our next animal. LOVE embrace and will tell all our animal loving friends to sign up too!
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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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