Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,324

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: Kyna

We couldn't be more pleased!

Our dog, Ollie, just went through his second TTA surgery (both knees). We had Embrace coverage for both of his operations (the first one 2 years ago) and can't be more pleased. There were no surprises with either claim and they paid them quicker than we ever imagined. Beyond that they emailed often checking on Ollie's progress so we felt that not only were we in good hands from an insurance prospective, but were comforted knowing the Embrace folks care and feel a passion for animals. We hold them in the highest regard and feel so fortunate to have chosen Embrace coverage for both our dog and cat!
5

out of 5

POSTED: | BY: Donna Witko

Kind, courteous and professional

My dog, Bowie died unexpectedly due to liver failure. It was a shock since she was one month shy of her seventh birthday. In dealing with my loss, the staff at Embrace was extremely helpful and understanding. They were so wonderful, they sent a sympathy card and everyone signed it! Thank you to everyone that helped me through this devastating loss of my beloved, Bowie.
5

out of 5

POSTED: | BY: Carl E.

Excellence in Customer Response

I have been extremely impressed by the response to my phone inquiries for information and assistance. The staff has been clear, concise and supportive. The claim service is second to none!
5

out of 5

POSTED: | BY: Cindy Kieler

great customer service!

So far I had only one claim after my deductible and everything went very smooth! The customer service is outstanding and very responsive. The claim money after Co-Pay was deposited quickly into my bank account! So far I am very happy with Embrace Health Insurance! I hope we won't need it again but it sure gives some peace of mind to have it in place!
4

out of 5

POSTED: | BY: Paul

very quick reimbursement

Very quick response and reimbursement. We hope to not need to file any claims other than wellness, but we know that we'll at least get reimbursed quickly.
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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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