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: Paulo Nery

Best service of any pet insurance company!!!

We have been an Embrace customer for about four years and we only have good things to say about this insurance company. The service is fast and of excellent quality.Thank you Embrace for all your attention.
1

out of 5

POSTED: | BY: Lindsay Graham

Slow and all messed up

After waiting nearly a month for my claim to be looked at I got an email with missing information, wrong information, and never received my reimbursement. Had to call. People on the phone were nice and corrected the error.
5

out of 5

POSTED: | BY: Corinne Grant

Embrace came through when we needed them!!!!

Our 9 year old retriever mix had a catastrophic accident that resulted in two shattered front legs. I was expecting a lot of red tape and exclusions of coverage disputes from Embrace as I had had with a previous insurance carrier. Not the case!!! I submitted the bill along with the vet's notes and received a check for our policy coverage limit- no hassles. What is even more impressive is that our pets continuing care for this accident is still being covered in the new plan year. I know that other companies would have cut off coverage for this accident after the the policy limit pay out. We deeply love our dog and having Embrace insurance we were able to make our decisions based on her best care rather than monetary considerations. I highly reccommend this insurance company.
3

out of 5

POSTED: | BY: Rhea

Claim took over 1 month to process

I have had embrace for several years. My claims used to be handled within a few weeks. Now it takes almost 2 months! I'm happy with the coverage and the people are nice. I just wish it didn't take so long to to get paid.
4

out of 5

POSTED: | BY: Jodi

Amazing Customer Service

Everyone I have dealt with at Embrace has been incredible. My only problem would be the amount of time it has taken to get my claims to go through. I haven't yet met the deductible, so it's not a money concern. It's just odd to have these hanging in limbo when one of the benefits they tout is quick claim turnaround. That aside, I'm totally happy with this insurance. It's reasonably priced and gives me peace of mind. I've had terrible, expensive illnesses strike my pets in the past and paying out of pocket is NO FUN! And like I said above, the customer service has been incredible!
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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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