Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

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: Stephanie

Incredible company

I recently switched my dog from VPI to Embrace and couldn't be happier. We are still new, but so far this has been the easiest company to navigate. Without going through an endless automated telephone maze, I can call and speak with a real, friendly, enthusiastic person who can answer my questions. Nobody likes dealing with insurance companies, but I have had nothing but positive interactions. They even told us when our vet's fax got cut off so we wouldn't lose any time submitting our initial health review. I get quick, attentive responses, and direct deposit reimbursement for wellness claims (easier than submitting a rebate - and so much faster). As a physician, I only wish that human insurance companies would be this easy to work with. We have not had any injury or illness claims to submit so far, but I anticipate they will be just as helpful.
5

out of 5

POSTED: | BY: j. esper

Peace of mind & excellent customer service.

I've been fortunate to not use our policy for anything other than routine exams and wellness items, but the service and attentiveness received by the Embrace staff have given me great confidence that should a larger problem arise my dog will be given the care needed without putting me out on the street. I just wish all MY insurance companies were as helpful.
5

out of 5

POSTED: | BY: Jen Perkins

Nothing but positive experiences!

I have been an Embrace policy holder for several years. Every time I need anything - from signing up, to updating cat and contact information, to filing claims - every interaction is positive. Everyone at Embrace has been helpful, friendly, and prompt. Veterinary care is very expensive, and even more so if you have to visit the ER, so my Embrace policy and their customer service has provided great peace of mind.
5

out of 5

POSTED: | BY: Madison

Great Dane- ACL Surgery

Embrace is amazing! They were fast and friendly when my great dane tore his ACL and had to have surgery. His surgery was hard but Embrace tried to help in any way possible.
5

out of 5

POSTED: | BY: Laurel Fried

Happy we have Embrace Insurance

We are very happy we chose Embrace Insurance. We have a puppy (7 months) and have had a few puppy problems that have added up. They are quick to respond when you fax them your vet bills-and send you an e-mail when the claim is in process. They also send you an e-mail, as to what was covered and send the check out quickly. Their customer service on the phone is very professional and helpful. I also purchased the wellness care and was glad I did. We are very happy with Embrace and would highly recommend!!! You never know what will happen and you want to be prepared-especially when it comes to your pet!!

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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