Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,490

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: Jodi G.

What If Something Happens? How Will You Pay?

After losing my last dog very suddenly to cancer and his last day at the vet cost over $1200. just for diagnosis, and discussing treatment options that we did not do, because his cancer was too far along. I decided to look into pet insurance for my next dog, because I had not thought of being in that position before. The position of being in the emergency vetrinary hospital and overwhelmed with emotion for your beloved animal and then thinking of how in the world are you going to pay for this, and knowing that you would do anything for them because you love them so much.Embrace Pet Insurance has been excellent with my new puppy. I am grateful that I chose this company, and I recommend it to anyone who loves their pet. I tell everyone that I have it, you never know what animals will get into and when they do - you will be glad you have Embrace Pet Insurance!
5

out of 5

POSTED: | BY: Gary

Friendly customer service

I've only had to submit two claims to Embrace during my year of coverage, but every communication I've had with the staff has been quite pleasant, and I've had no trouble having my claims processed.
5

out of 5

POSTED: | BY: Stacy N.

New client and already happy with their service!

I am new to having a dog and so I'm new to having pet insurance and after doing a lot of research and choosing Embrace I am happy with my choice. My first claim went through and their customer service kept me informed of the status of my claim and responded to any questions I had. They covered my first claim and provided me with a detailed 'Explanation of Benefits' form for my records. Very professional and I would recommend them to my friends and family.
2

out of 5

POSTED: | BY: Megan

Poor Service

This company never returns my telephone call unless threatened. I had simple questions concerning my policy, called 3 times, and never received a return call. The next time I called I left a message saying I wanted to cancel my dogs coverage because of their practice. Surprisingly, immediately I got a returned call with a friendly voice on the other end...How does that happen?
5

out of 5

POSTED: | BY: Tom Lewandowski

If only my own health insurance was this good!

Incredible service! Embrace has exceeded our expectations of what pet health insurance was like. Unfortunately, our puppy has had a bit or a rough stretch and we've needed to utilize the coverage -- and Embrace has been there for us. No hassles; just good service.
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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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