Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,772

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: Gary

Great and Prompt Service

Embrace understand my needs and keeps up with my pet in a very profesional matter. I am very pleased with their concern for my pet and my wallet.Great people and personal touch. Always there for us. Congrats on a job well done. GMC ERD and Valentina, a happy white 13 year old yucatecan Chihuahua....
5

out of 5

POSTED: | BY: Nancy Akin

Such quick response to claim!

My Labrador Retriever has had lameness in her right hind leg for a few months. We've taken her to the vet, but can't find what's wrong. We took her to the University Animal Hospital to see a canine orthopedic specialist. Embrace had the claim resolved and reimbursement issued within a week! It was literally 5 days and I had the EOB and reimbursement issued. Not only are they quick and efficient, but they have been courteous, prompt, and responsive to every single one of my inquiries. Not only an outstanding pet insurance company, but an outstanding company in general. I wish everyone I dealt with treated me like Embrace.
5

out of 5

POSTED: | BY: Benjamin Mousseau

Great customer service and easy to use!

I had embrace for a little over a year before I had to actually file a claim for a sick pet. When I filed the claim I was got a response that it was received the next business day. The month that my dog was sick I was also moving into a new home and getting married so the budget had been planned out precisely and the vet bill messed up the financial planning a little. I sent an email with my concerns about how fast the claim could be possibly processed and with a great response and customer service I received my claim money within 4 business days. Great people and great company.
5

out of 5

POSTED: | BY: Miles &

Professional, attentive service

We have had consistently impressive customer service from Embrace. The staff has always been helpful and timely with responses to questions and decisions on our dog's vet visits. There's obviously a strong and professional culture at Embrace, because we've dealt with multiple representatives and always had a positive experience. You get what you pay for, and we are willing to pay a little more for pet insurance through Embrace because we feel so fortunate to be able to rely on our pet insurance company to help out when we need it. We've recommended Embrace to two friends so far and will continue to do so.
5

out of 5

POSTED: | BY: Libia Busalacchi

Embrace is THE BEST!

After over a year we're still treating our Rottweiler for a severe bout of Hepatitis after ingesting something he shouldn't have. Not only was he in emergency for 4 days when it happened and it cost well over $5000, but he's been on tons of antibiotics and goes to the vet's weekly for his fluids (intravenously). Embrace has not only been so wonderful in processing our claims and reimbursing us quickly, but they have been so supportive and comforting! I had this insurance company with my previous Rottweiler - and will ALWAYS have them!

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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