Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,979

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: Anna Calderon

Pleased with prompt service

I'm very happy with Embrace. I submit my claims to them and I hear back about my refund within two weeks. I like that they do direct deposit right into my account. They have been great with my two english bulldog puppies. They have great service and always keep in touch and make sure that I received my refund (I do not have to be checking up on them ever).
5

out of 5

POSTED: | BY: Kelly Smith

Absolutely FANTASTIC!!

I really cannot say enough about Embrace Pet Insurance. I LOVE the coverage options, the people are fantastic and my claims were processed very quickly - direct deposited into my account about 3 days after claim submission. I actually have two dogs - although I can't indicate that on this feedback form :) - and both have had claims submitted. My Standard Poodle, for routine care, and my Lab for the claims described in this review. We actually submitted 3 separate claims on the issues indicated and they were paid without any delay. Even better, we have experienced NO premium increase as a result of utilizing the policies. VERY, VERY happy with this company. If you're shopping around, I would highly recommend Embrace - as I have to about 10 of my friends and family members. They have taken my up on the recommendation and, happily, ALL have had experiences similar to mine.
5

out of 5

POSTED: | BY: Chibi's mom

Wholistic Care!!!!

After Chibi hurt her back. The choice was drugs or wholistic care. Easy choice for us:) Wholistic care!She had 2 sessions of accupuncture and cold laser and she is feeling fabulous. Thank you Embrace for covering REAL heath care!
5

out of 5

POSTED: | BY: carolstultz

Great customer service.

I changed to Embrace a few months ago. I have been very happy with the response I have gotten. I just wish O would have found out about them sooner.
5

out of 5

POSTED: | BY: Alida Baird

Embrace Staff is the best!

I've worked with many insurance companies through the years both personally and professionally as nurse. Embrace is terrific when it comes to customer service and communication. I have recommended them to my friends as well as to veterinary personnel.
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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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