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: Holly

This Insurance Compares to my own Health Insurance

I was skeptical about getting pet insurance but realizing how expensive vet bills were for my cat, thought it would make sense to at least try it for a year after adopting a labradoodle puppy. I chose Embrace after comparing about 5 other providers and have to say I am not disappointed. While they did turn down several claims that were not covered under my particular plan, I have submitted 4 other claims for covered illnesses and they were process and paid for in a few weeks. I’m very happy with Embrace and plan to renew this coverage next year.
4

out of 5

POSTED: | BY: Kathy

Great Customer Service

Embrace is very user friendly. Their site is very easy to understand and there isn't any hidden costs they lay it out very clearly when you sign up initially. They also provide great customer support with emails notifying when claim has been received and when it has been processed. The only setback I think is that I would prefer a higher wellness allowance because a puppy would require more coverage in this over versus a more mature dog.
5

out of 5

POSTED: | BY: Kara Patterson

So glad I found Embrace

I got embrace for my cat Arwen a few months ago as I wanted to have it just in case so I wouldn't have to worry anymore. Lucky thing I did! My cat has had a bunch of tummy problems over the last few months and Embrace has helped me every step of the way. My vets office accepted Embrace so I got to keep my same vet. The claims process is so simple and if you ever have any questions they are more than willing to help you out if you call, everyone is so nice and helpful! They are usually very timely with the process as well. Without it I probably wouldn't have been able to get care for my cat who is the love of my life and I just want her to be healthy. I couldn't be more happy that I found out about Embrace and will be keeping it for all of my pets in the future.
5

out of 5

POSTED: | BY: Sue

Excellent communication and customer satisfaction!

I have a 5 month old labrador. She is our first pet so I really investigated all pet insurance options and chose Embrace Insurance. Part of the reason I chose Embrace over the others are the raving reviews and comments from other satisfied customers. Knowing how important these reviews are I wanted to express my satisfaction and am so glad I chose Embrace. They are professional and you can always get a hold of their customer service with any questions you might have. So far I have just submitted Wellness Claims but have always had a fast turn around. I highly recommend Embrace if you are considering pet insurance for your pet. Also, if you have a puppy like I do, the puppy premium is a great way to go!!
4

out of 5

POSTED: | BY: Karin Bystol

Fast Turn Around Time

This is my first year with Embrace Pet Insurance. I have purchased both the accident and wellness plan. I have 2 dogs each around 140 pounds. I submitted a wellness claim to Embrace for vaccinations, heartworm and flea preventative and within a month I was pleasantly surprised to receive two reimbursement checks. I am pleased with the turn around time, and will renew my insurance for the next year.

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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