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: Alan Millstein

Excellent Service

We have been an Embrace client for 2 months and think their customer service is excellent.. They follow up immediately and respond in kind. We have had other insurance in the past and wish we knew about Embrace earIre. I also feel by the way they respond they really care about us and our dog. In this era of poor customer service, their excellent service is so appreciated
5

out of 5

POSTED: | BY: Sharon Hanson

Amazing coverage and compassion

My dog was diagnosed with kidney disease at very early age which had progressed during a two year period. The comfort knowing that Embrace has always covered the costs is absolutely amazing. Claims were handled efficiently and direct deposit payment was made within 1-2 weeks. Whenever I called they were friendly, helpful and compassionate. I am so grateful I had them during my dog's short but wonderful life which seems like "warp" years. Thanks again!
1

out of 5

POSTED: | BY: eric albert

Wellness Reimbursement Is Awful

The wellness portion of the policy has a grossly inadequate ceiling. My dog's wellness portion of her policy was used up in two claims within two weeks.
5

out of 5

POSTED: | BY: Don MAnteuffel

Embrace Claims

Want to thank the Embrace team in processing our claims for Cody (Dog), he has been quite sick the last 5 weeks. The best Pet Insurance Co. we have had now for 7 years.
5

out of 5

POSTED: | BY: J. McAvinn

very good follow-up

It took awhile to get the claim paid, but it was the fault of the vet, since he did not get the records to Embrace in a timely manner. Embrace kept up with polite reminders to us that they couldn't process the claim, until the vet got them the records. As soon as we resolved the situation with the vet, the claim was quickly closed by Embrace
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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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