Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,158

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: Samantha

Highly recommend

I wanted to wait to write a review until I had a large claim which unfortunately happened sooner than later. My English Bulldog tore his CCL at just over a year old. At first the claim was denied due to the vet tech at the surgeon's office writing an inflated time frame for our dog's limping. But we got statements from our regular vet and the specialist and the claim was approved when we appealed it. The first time the claim was submitted I did not hear back in 15 business days and had to email to inquire but the appeal was processed much quicker. I did a lot of research when choosing pet insurance and I am confident I went with the best. But you have to know their rules and regulations. There is a 6 month orthopedic waiting period and if you have issues inside of that they are of course not going to cover it. I find they are always quick to respond to emails and always very nice. Having an English Bulldog pet insurance definitely gives me peace of mind.
5

out of 5

POSTED: | BY: Brenda Hayden

Outstanding Customer Service

Every time I have a question or concern the Embrace Customer Service Team is right there to answer my questions in a friendly and timely mannor. They keep you updated every step of the way. I put my first Wellness Claim in and within two days I was notified that it was approved!
5

out of 5

POSTED: | BY: Donna Johnson

Great Experience!

Claim was processed, quickly.I love the wellnes plan.
5

out of 5

POSTED: | BY: Katherine Apt

Life Savers

About 3 days after our insurance kicked in our dog was shot (we still don't know by who). She needed not just an intestinal re-section but a blood transfusion as well. The vets who saved her life are heroes by all accounts, but I count Embrace as a savior as well. If it weren't for the incredible coverage we received we would not have been able to afford Lily's surgeries, and she would not be with us today. We have been incredibly impressed with the level of customer service. The communication has been top-notch and the returns are quick and painless. I endorse Embrace to everyone who will listen. Pet insurance is the best decision we've made for our pets, by far.
5

out of 5

POSTED: | BY: corinne freaney

the personal touch is the most impressive of all!

my boston, petunia, has been "embraced" for two years now, and the communication, care and quick response to claims is equal to none. i have added the wellness to her contract this year, and could not be happier. i purchased an english bull puppy for my son, under the condition that he also be "embraced" and all is well with his pup. Embrace is the #1 insurance recommended by my vet. can't add much more to that recommendation! corinne & petunia

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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