Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,675

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: Kelly Ritter

Embrace is a MUST DO!

I have had Embrace pet insurance for about 2 years now, and just upgraded this year to include the wellness plan. I wish every company would operate with the same customer service philosophy as I've been consistently impressed with every encounter I have had with anyone at this company. Filing claims is so easy as you received personalized claim forms, and I just set up direct deposit so the process is near effortless. I can't recommend Embrace enough!
5

out of 5

POSTED: | BY: Tom Minor

10/10 Totally satisfied

I have had to submit two claims in the last several months for my dog. Both were handled promptly and to my complete satisfaction. This company cares about its customers. I recommend them highly to anyone who has a pet.
5

out of 5

POSTED: | BY: Jeani Coleman

The absolute BEST pet insurance company out there

I have been with Embrace pet insurance for over 2 years. Our little Tiny Toy poodle had 2 specialized surgeries and 2 ER visits before she was a year old and we realized we needed help with these huge bills. After researching several pet insurance companies, Embrace was by far the best in terms of kindness trust, compassion and understanding about my pet, willingness to answer questions and never showed impatience when talking on the phone. All the agents are extremely kind. They explained their policy thoroughly and there were no hidden charges or confusing verbiage in their policy which could be misinterpreted. After the required waiting period before the policy kicked in, and I filed my first claim, there was no resistance or bad attitude that you often get when filing claims with insurance companies. They are friendly and act as if they really want to help you and are glad to honor their claims. They are very efficient and prompt in payment. I recently went through a very tough procedure for my little dog and they worked very hard to pre-certify in time, and the agents at Embrace actually showed compassion with understanding of what we were going through. This is an exceptional Pet Insurance Company and I have told many about it. I have another dog at home and I wish she wasn't too old to insure, because I would love to continue to support this company with my other pets.
5

out of 5

POSTED: | BY: Timothy Czarnecki-City

First time with Embrace

I have had VPI insurance in the past. After review of Embrace and VPA I am so happy that I choose Embrace for my 10 week old 2 lb. Chihuahua/Pomeranian. I have never had such quick response when submitting the first vet visits for Zoey.
5

out of 5

POSTED: | BY: Jill bigart

Newly insured

I have never had pet insurance before and so far I am impressed. I asked my Vet what she thought about Pet insurance and she said in the 10 years she has been in business she has seen only two cases that paid. She has brochures in her office from another company. This may change her opinion. Keep up the good work Jill

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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