Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,461

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: Mark Anderson

Best Customer Service

I recently had a billing issue that was corrected immediately by Chris Hagesfeld, including follow-up email and postal mail responses. Chris provided a level of customer service that would be hard to beat. As a newer policy holder, I've yet to make an insurance claim, but based on Chris' professionalism, I'm confident I've chosen the right pet insurer.
5

out of 5

POSTED: | BY: CL

What a Wonderful Experience!

Embrace has been nothing short of fabulous as we've coped with our dogs surgeries and rehab. They are prompt to respond to emails, quick to provide confirmation that they have received information, friendly, helpful... I cannot say enough positive things about our experience. They honestly exceeded my expectations. I've just recommended them to our dog walker who has not had a good experience with her own pet insurance company. I'm hoping she'll spread the word throughout our neighborhood.
5

out of 5

POSTED: | BY: Patricia Gartland

A great Review

They paid what they promised in a timely manner, and they were very nice to deal with. I would recommend them over all of the other pet insurance companyies.
5

out of 5

POSTED: | BY: lea magdangal

I want to embrace Embrace

I have a very sensitive dog... his breathing,ears, and stomach are very sensitive to everything. We see the vet quite often and have been with the Embrace people since he was a puppy.As everyone knows, vets can be pricey but we have always had an awesome experience with our insurance.
5

out of 5

POSTED: | BY: Susan G.

They paid what they promised

When my dog was diagnosed with hemorrhagic gastroenteritis, the vet asked for $1700 up front for 3 days' hospitalization. I was concerned when I received the final bill as to what the insurance would pay. To my pleasant surprise, Embrace paid every nickel other than my deductible and 10% share of cost. I have recommended Embrace to 3 of my friends who were impressed with my story. One is changing from another insurance, and the others plan to initiate coverage.
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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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