Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

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: Patti Tenney

Consistently great service

During the last 3 years, I have had consistently great service with Embrace. My claims have been processed in a timely manner and there are no hidden surprises! We are very satisfied and have recently insured our new puppy with Embrace!
5

out of 5

POSTED: | BY: Amy B.

Awesome Service with every claim!

I have 6 pets currently Embraced. This year, my 1yo was diagnosed with hip dysplasia and required a total hip replacement. Embrace was with us every step of the way, from the pre-certification (not required) to the initial surgery to the post surgical check-ups, and then when he was diagnosed with a lick granuloma after that! (Still working on healing from that.) Each claim was acknowledged, and processed quickly, and my reimbursements deposited to a speedy manner. With the last claim, there was a questionable covered charge that was initially coded as a wellness cost, but when I asked them to look into it they did so quickly and and covered it as it should have been with no issues. They are always very helpful and I recommend Embrace to everyone! Fabulous folks!
5

out of 5

POSTED: | BY: Lois McCloskey

Excellent customer service

I have found EMBRACE to have friendly, responsive customer service. In fact, they are PROactive, which is extremely unusual--at least for human insurance companies! I have appreciated their "Keep in touch" approach, even when claims are processed a bit more slowly than they expect or would wish. In fact, the lag time was not bad at all. Great service!
5

out of 5

POSTED: | BY: NIKOLOS McCULLOCH

2 claims in a week

Our 1 year old dog ended up getting very sick was in vet hospital for 2 nights, came home for 3 days and the same thing just not as bad. Went back in for a day. Resulting in over 1200 dollars in billing. Thank you embrace for rewarding our claims. Resulting in us getting back over 800 dollars that we wouldn't have without pet insurance.
5

out of 5

POSTED: | BY: Robert

Fantastic Assistance For Our Lab!

I am very pleased with Embrace Insurance. Our vet Dr. Julia Johnson recommended Embrace and we purchased the first year in April.Our Labrador Retriever Bailey tore up her knee subsequently and after a thorough review of Dr. Johnson's notes, Embrace paid our claim. They are courteous and responsive and I would recommend to any pet owner.
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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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