Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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: Kristie

Embrace is Peace of mind ....

I was skeptical about getting insurance for my new baby shih tzu.Embrace has made it so easy and given me peace of mind knowing she is being taken care of! My claim was easy to find,and they emailed me right away with their response.They cover exactly what they say they will,and there is not any question now that I made the right choice with Embrace!
4

out of 5

POSTED: | BY: Margaret

Excellent customer service

This claim was handled in a very timely manner and I was notified of progress throughout the claim process. I continue to recommend Embrace to everyone looking for pet insurance.
5

out of 5

POSTED: | BY: Jennifer Space

First Rate Customer Service

I have nothing but good things to say about all of Embrace's customer service members. They always answered my questions and made sure we received our claim check. When they heard of our pet's passing they sent their sympathies and took care of everything with the policy. I highly recommend them for their dedication to courtesy and follow-up. As for the policy the only negative thing I could say is that they don't cover any supplements 'presribed' for out pet. They did cover alternative therapy though and for that I give them 5 stars!
5

out of 5

POSTED: | BY: Michelle Perrin

Jenna is the BEST!

Thank you so much to Jenna Mahan; she was such a pleasure to deal with in every way!! She was very sympathetic to Larrys problems, was quick and efficient in her processing of the claim and is an absolute asset to the company! All of the customer service representatives are fantastic! They are all so personable...Darcy, Eric, Brian... I wish I could remember everyone's name! THANK YOU SO MUCH!!
5

out of 5

POSTED: | BY: Lara Krolczyk

Embrace is honest and responsive

I've filed a few claims now and have never had trouble with hospitalization issues. I watch other dog owners fight with their pet insurance companies so I know what it could be and I greatly appreciate the open way in which they work. The updates as the claim is processed are also greatly appreciated!
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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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