Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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: Karen Epport

Amazing customer service

Embrace really demonstrates an understanding and caring for their animal clients! They handle claims so quickly and efficiently (characteristics that are rarely seen in either the animal or people insurance world). They are personable and appear truly interested in helping provide the best customer service. So glad that I insured our rescued puppy with Embrace the minute she came into our lives.
3

out of 5

POSTED: | BY: BD

Took Too Long - but pleased with service

i think the service is great - but what happened to claims being resolved within a few days? This particular claim has taken weeks. And i have referred you to others - but may not if all claims take this long.
5

out of 5

POSTED: | BY: Christine

Claim Service from Embrace

While the claim processing took longer than usual, I was kept very up to date regarding my submission. I know that Embrace has changed their processing so they are doing training which is taking longer to process claims. I am always excited though when my claim is actually accepted and paid. I always assume the worst with any insurance company that they will try to deny you for any reason at all, but not Embrace. They are reliable, fair, and true to their customers which is why I will continue have my pet covered with Embrace Insurance.
5

out of 5

POSTED: | BY: Tina Brown

Embrace Pet Insurance has been wonderful thus far!

While I've only made one wellness claim to date, it was processed in the time noted on Embrace's website and I'm very pleased with the customer service staff at Embrace. I hope I don't need to use them for anything other than wellness visits, but having an English Bulldog I knew I had to have insurance as the breed is prone to various maladies. I feel as though I'm in good hands here with Embrace covering my puppy through her life.
5

out of 5

POSTED: | BY: Lisa

Very helpful!

Embrace has given me peace of mind with my two new puppies. I hope to never be in a situation to take full advantage of the insurance, but I know they will be there if I need them. Great customer service as well! Keep up the good work.
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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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