Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,172

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: Jaimi Krielaart

Pleasantly Surprised

I used to use a different company for pet insurance - on that was well known and reputable. I didn't renew that insurance because it felt like I gave them an awful lot of money for nothing. Very little from my annual wellness visit was reimbursable, and failing an emergency, it felt like throwing money away. I did some more research and found Embrace. I was hesitant at first because in signing up, some of the paperwork made me wonder if I was basically giving my premium to a company that would leave me in the lurch. Well, there was absolutely no need to worry! I just took Kira to the vet. She got vaccinated and checked out, and I bought some Advantage. The entire bill was $295. I expected that I might see $80 - $100 back, so imagine my surprise when Embrace emailed me to let me know I was being reimbursed $200! That covered everything except the Advantage. The check arrived within the week. I was so impressed, I've been telling everyone, even my non-pet owning friends and family. Thank you, Embrace!
5

out of 5

POSTED: | BY: Roopa

Hassle Free Pet Insurance! The Best!

I have been a customer of Embrace Pet Insurance since 2009 and I waited 2 full policy terms in order to write this review. So, I can say my review is based on 2 full years worth of service and not written in haste or without due experience. Of all the insurance benefits available to pets, Embrace has exceeded all expectations in providing the best benefits,claims and customer service. The staff is very congenial and polite in their email responses. They always take an extra step in ensuring the customer gets a thorough and detailed explanation for any rejection of a claim. They are very diligent in researching everything on your behalf. I would recommed Embrace to everyone who wants the best and most comprehensive insurance coverage for their pets. I have never seen a company so quick in responding to claims and there are truly no hassles. They cover almost everything including the waste products that vets charge us for! Truly the best insurance in US for Pets! I am going to renew my coverage with them for the third consecutive policy year. I can rest in peace as I have embrace to take care of my pet's medical needs. Thank you Embrace Team!
5

out of 5

POSTED: | BY: Jonathan Slater

Extremely pleased!

This is my first experience with pet health insurance. I researched the choices carefully (I do research for a living!) and decided on Embrace for a number of reasons, but one of the key reasons was that they did not have a schedule of how much they would reimburse for specific procedures. I wanted to be able to choose the vet providing care for my dog on the basis of skill and reputation, not cost. I was hoping that I would never need to use this insurance, but this year I feel extremely fortunate that I made the investment. My dog was diagnosed with bloat, and condition that can be fatal within a couple of hours. It required three visits to the vet, including one to an ER at 1 a.m. My dealings with the Embrace claims people have been wonderful. They are prompt, knowledgeable, courteous, and caring. Within less than a week of submitting three claims electronically, they informed me that (subject to co-pays and deductibles) everything was covered. I have another appointment with my vet, and I have peace of mind knowing that I won’t have concerns about cost in the back of my mind as we discuss my dog’s health.
5

out of 5

POSTED: | BY: B. MacDonald

The best out of all the rest.

It gets repeated alot in the reviews, and there must be a reason why. Great customer service, excellent coverage, decent premiums, great pay outs, timely service. I've used others, and they can't even come close to Embrace. Thank you Embrace for your wonderful service, and for caring about our pets as much as we do!
5

out of 5

POSTED: | BY: Rhea Virginia

Outstanding Coverage, Compassionate Company

Embrace Pet Insurance has stood by me with my dog, Alex, and my cat, Suki. They have always been compassionate and caring in helping me with my medical bills, explanation of coverages, and providing quick reimbursement of charges. They take it a step further in truly caring for you and your pet...even asking me for a photo of my two pets. If other firms were as excellent as this firm, the world would be a much better place.

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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