Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,772

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: Sarah Vega

Smooth and thoughtful service

I am in love with this company! Recently started with pet insurance for the first time. Embracers explained all details and answered all my questions. They have notified me when I submit a claim and reimbursement has been super speedy! I even got an email checking on my girl after her spay surgery and to let me know they were already at work on her paperwork! Awesome! Caring! Love you embracers!
5

out of 5

POSTED: | BY: Henrik Kuhl

Met all expectations

Embrace has lived up to all expectations. In recent months, I have dealt with a persistent ear infection in my dog, which has required multiple vet visits. The claim and reimbursement process has been incredibly quick and easy and all of the reimbursements have been as expected.
5

out of 5

POSTED: | BY: Cindy Morelli

Wellness is a MUST

Fortunately, my ten year old beagle, Tulip May, is a fairly healthy pooch, with the exception of both airborne and food allergies. The serum for her monthly injections and her dietary foods are costly. This is where Tutu's Embrace Wellness Policy comes into play. This policy helps defray the costs for some of the items associated with her allergies, as well as her occasional anal gland expression and her yearly dental checkup. My only hope is that the NEW underwriters return to the two separate policies: One for Wellness and one for Dental, instead of including both in one Wellness Policy. If I am going to have to spend the money anyway, wouldn't it be silly not to try and get some of it back? Tulip May is my family and I only want the best for her. Keeping her well is a top priority, and her Embrace Wellness Policy helps us both do that! :)
5

out of 5

POSTED: | BY: Jo-Wii

Glad I chose Embrace

Very first claim I filed took only about a week for them to process. I received claim reimbursement payment very quickly. I wasn't expecting it since every time I file a claim anywhere else would take at least 2-3 weeks time. Very helpful staff and I'm very satisfied.
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
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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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