Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,406

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.
4

out of 5

POSTED: | BY: Carey

Very sick dog

We had a very scary experience with our little dog, not to mention how expensive it was. We were very happy to have health insurance for her, and yes, Embrace paid everything we expected. They were, however, very very slow to review the claims, and even slower with payment. We received many apologies from them, but after months went by, I thought we had been forgotten. No worse than any other pet insurance company, I guess. At least we were paid in the end and that's what really counts.
5

out of 5

POSTED: | BY: Virginia

Promt Response to Inquiries & Prompt Bill Process

Wonderful - helpful and courteous staff. Clear instructions to client to provide medical details in order to attain coverage. Very prompt review of claims.
5

out of 5

POSTED: | BY: Joan Kratkin

Amazing service and true concern for my pet

After years with other companies I've finally found the best-Embrace. They're not only the fairest when it comes to coverage but are a pleasure to deal with-they go out of their way to help and care enough to make sure my dog had everything she needed.
5

out of 5

POSTED: | BY: Meagan Canter

First Class Service from Kind, Compassionate Folks

I've carried pet insurance for several years, and never had to make a claim, so I was apprehensive when my dog tore her CCL and needed surgery. I didn't know whether the claims process would be arduous, or whether coverage would be denied for some arbitrary reason. Turns out I had no reason to fear! Embrace honored my claim, and kept me apprised of the status throughout the process. The staff also reached out to check on us a month after the surgery, to see how my dog was progressing - a very kind gesture. I recommend this insurance company. No pet of mine will ever be without Embrace coverage.
5

out of 5

POSTED: | BY: Donn

Fantastic

Having such a high level of communication and prompt claims processing is so unusual and refreshing. Keep up the good work!
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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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