Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,397

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.
3

out of 5

POSTED: | BY: Rhea

Claim took over 1 month to process

I have had embrace for several years. My claims used to be handled within a few weeks. Now it takes almost 2 months! I'm happy with the coverage and the people are nice. I just wish it didn't take so long to to get paid.
4

out of 5

POSTED: | BY: Jodi

Amazing Customer Service

Everyone I have dealt with at Embrace has been incredible. My only problem would be the amount of time it has taken to get my claims to go through. I haven't yet met the deductible, so it's not a money concern. It's just odd to have these hanging in limbo when one of the benefits they tout is quick claim turnaround. That aside, I'm totally happy with this insurance. It's reasonably priced and gives me peace of mind. I've had terrible, expensive illnesses strike my pets in the past and paying out of pocket is NO FUN! And like I said above, the customer service has been incredible!
5

out of 5

POSTED: | BY: Kevin

Very pleased with pet insurance

Look, no one wants to buy insurance. I know. I sell it. But when you need it, when that emergency arises, you're darn glad you spent the money. It doesn't need to be expensive either and with Embrace, it's cost effective and I feel safe knowing my 140# puppy will be well-taken care of if the need arises. If she never gets sick or involved in an accident, I feel like I can count on Embrace. I'm happy I signed up nearly two years ago.
5

out of 5

POSTED: | BY: Rene Arbogast

Grateful

Embrace handles my claims efficiently and compassionately without having to go over and over the grizzly details of what happened to my mini-man. They have a wonderful relationship with The Gene Poole Cat Clinic and communicate clearly and concisely what pertinent information that is required. I so appreciate their professionalism on both ends. The bottom line is, the love of my life, is re-cooperating nicely, and I couldn't have done it without the help of Embrace Pet Insurance. This is my second claim, and they've always reimbursed me within weeks of the incident. I give them a 10!!!
5

out of 5

POSTED: | BY: Dana Richter

Fabulous Customer Service

My french bulldog has been insured with Embrace for the past two and a half years (given their many potential health problems I got her in early) and I cannot say enough good things about their coverage. She has been relatively healthy but has managed to have kennel cough, mange and various other "normal" dog conditions which could have caused financial strain without the coverage. Even better though then the coverage is the customer service -- they are amazing about keeping me in the loop when a claim is being processed, asking questions if there are any potential issues and generally being a joy to work with. If you are thinking of insuring your pet I can't recommend Embrace enough.

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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