Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,260

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: Judy Grayson

Best Pet Insurance by far!

I have had nothing but great experiences with Embrace Ins. Never a surprise, they have always gone out of their way to explain my dogs coverage and are more than generous. I only wish they had health insurance for people!
5

out of 5

POSTED: | BY: Holly

Personalized Service!

My little Lucy had been throwing up and losing weight for a for a few days, so when it didn't stop, I had to take her to the vet. As it turns out, she had an ear infection and it was making her nauseous. It took her a few rounds of antibiotics, anti-nausea pills, and she was all better. I am very glad that I have Embrace coverage or the out of pocket expenses would be over $500. And that is just for an ear infection! Embrace kept me in the loop during their processing of the claims so I knew my claim was received and in process. If the claim was delayed for any reason, they would follow up with me and let me know they were working on it. I appreciate the personalized service and the peace of mind to know that with Embrace coverage, I can always take care of Lucy's needs. If anyone is contemplating insurance coverage, it is well worth it and Embrace is the best way to go. They reimburse exactly what is covered in your plan without any issues. I tell every pet owner I meet to get this insurance. I never want to have to make a decision about Lucy's health based on money. With Embrace, she is covered!
5

out of 5

POSTED: | BY: Fran

Great coverage & staff!

Fairly quick claim turn around and wonderful helpful staff when you call not to mention fast replies when I emailed with questions. I couldnt be more pleased with my choice of Embrace for Maggie so far! When my vet asked who I use for pet insurance I was happy to give them the Embrace website info.
5

out of 5

POSTED: | BY: Wesley VanWyk

First timer

Hi, This is the first time I've had pet insurance of any kind and I was a bit skeptical initially, but am gleefully pleased with every aspect thus far. Having heard and read reviews of other insurers I expected there might be some unforeseen gaps in coverage and when coverage was available refunds to be slow in coming but that simply hasn't been the case. From taking the time to explain and break down coverages, to walking me through the claims process, Embrace has been consistent and timely at every step. I really appreciate the email updates on receipt of claim, claim status, notification of claim payout, and follow up to ensure payment has been received. I hadn't even expected reimbursement for the initial vet visit, but found that we were covered in full. What a wonderful surprise. My only regret is that Embrace has set the bar so high that I am now woefully disappointed with my own health insurance. Can someone there please give United Healthcare a call and explain to them how its done? What more can I say except thank you Embrace, you have a lifelong customer in me. Regards, W. VanWyk & Woody
5

out of 5

POSTED: | BY: Jinx Gellin

Outstanding Customer Service

This was a wellness claim on my 6 year old female. The company was very efficient and helpful when filing this claim. I have and will continue to recommend Embrace Pet Insurance. In this day and age with the economy as is and the cost of having animals of any kind or breed, it is necessary to have insurance to help with the cost of pet care.

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 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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