Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,979

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: Mike

Embrace handled my claim smoothly and quickly

Once again, my claim was handled professionally and in a timely fashion. They cover what is promised and communicate every step along the way. Wish more companies handled customers like that.
5

out of 5

POSTED: | BY: Maria and

My new forever pet insurance company!

We recently joined the Embrace family and purchased insurance for our dog and our cat. We did a ton of research online for all of the pet insurance companies and Embrace seemed to have the best reviews. And now we see why. When our indoor Persian cat Luci, snuck out of the house and got hit by a car we were devastated. After many appointments and a surgery we are happy to report that she is recovering nicely from an amputated tail and broken pelvis. We filed our claims with Embrace and they immediately confirmed receipt and even emailed us personally a few days later to let us know that there would be a slight delay in reviewing our claims. They happened to be updating their claims system at the time. We all know technology updates are necessary but we also know that companies don't always share this type of information and may just leave you impacted. Great job Embrace! You handled that perfectly. Right then I knew they cared. And just so you know the delay wasn't very long. Our claims process took less than 3 weeks. They kept in touch throughout the process and whenever we called to ask questions the customer service was stellar. They are always pleasant and really do treat you like part of their family. They showed sincere concern for our Luci and made every interaction personal. Their claims settlement process is very straight forward and efficient, their statements are easy to understand. Not a lot to decipher, you know what they are reimbursing you for a
5

out of 5

POSTED: | BY: Aura Rengifo

Thanks

We are soo very happy with this insure, We really appreciate all the support.
3

out of 5

POSTED: | BY: Tim Wareham

Hard to get started with Embrace....

Hard to get started with Embrace.... It took more than four months to get medical records reconciled with actual facts of the dogs conditions. I understand why insurance companies do not cover existing conditions, however the exclusionary policy left me at odds with Embrace. Most people would have given up the fight....we were finally able to get the exclusions removed.....Embrace did cover the examination costs....
5

out of 5

POSTED: | BY: Christina Audley

Great dental coverage

I had a large dental bill on my pomeranian with an unexpected tooth extraction due to infection below the gum line, so it also required antibiotics. The total was just shy of $500.00 and Embrace paid the max amount of $400.00 no questions asked. Also, Anna was always in contact with emails, nice not to wonder whats going on. I give them a 10 rating at this time. ;)

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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