Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,237

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: Alexandra Gonzalez

Elated with Embrace

I have been a Customer with Embrace for a little over 2 years and I have received my reimbursement every-single-time! I recommend to anyone and everyone that Embrace Pet Insurance is a must-have. Atlas, was sick in the month of April and received different bills with a total of $1.000 bill. Embrace reimburse 80% back to my account in a timely manner.
5

out of 5

POSTED: | BY: Caitlin

Concerns dissipated with easily filed claims

I have a growing puppy that got kennel cough, rolled his wrist and wouldn't eat. Being a first time pet owner, each of these events sent me promptly to the vet. It was comforting to know that, amongst all of the stress involved, costs would not be one of them. Getting Embrace for my puppy was a smart decision. I would advise any pet owner to do the same.
5

out of 5

POSTED: | BY: Julie

There when I needed them

My pup chewed up a Sago Palm, which I know know is extremely toxic to dogs with a low survival rate. This happened on one of the few days that I haven't been able to get home at lunch and check on her. After a call to the vet and poison control it was clear that I had no option but to take her to the ER. For anyone that has been through this, you know how stressful and expensive it can be. What made it a bit less stressful was knowing that she was covered by Embrace!!! After our final visit, 5 days after her admittance to the hospital, I gathered the 7 invoices, and faxed it along with the pet specific claim form they had readily available for me to download. The claim status and progress is readily available for viewing on their site so you know it is moving along. I made one phone call just to make sure they had everything they needed and was told that they were currently being updated with an approval status. I received emails later that day letting me know my reimbursement had been processed and that it should be direct deposited in 1-2 business days. It was in my account the following day! This is an effortless process and I urge everyone to have their pets insured!
5

out of 5

POSTED: | BY: Brooke V

Great customer service

I was hesitant to get pet insurance, but have been pleasantly surprised with the great customer service and how quick Embrace is to refund claims. It is nice to know I will have financial help if anything major happens to my dog. I highly recommend Embrace pet insurance.
5

out of 5

POSTED: | BY: Lori Mallardi

Outstanding Service!

We shopped around for Pet insurance over several months for our two Newfoundlands. We looked at the pros and cons of every major Pet Insurance company there is. We finally settled on Embrace and could not be happier. We held our breath when we submitted our first claim - waiting for small print to catch up with us. It never happened. We were treated so well and the claim was processed and paid quickly. The communication is consistent and they keep you informed of the status through the entire process. I strongly recommend Embrace to anyone seeking Pet Insurance.

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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