Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,979

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.
2

out of 5

POSTED: | BY: Beth Hanlon

Not happy but not giving up yet!

I followed the directions on the claim form but was constantly getting emails asking for more information. Zach is a rescue dog and I provided everything I had. After some time passed I called and explained everything. It turned out Embrace needed the vet notes for the orthopedic exam the was done last July. If they had mentioned that when I applied and was approved, I would have supplied it. It took numerous phone calls and emails to straighten this out. I was stunned at how fast they let me know I wasn't covered for something I submitted yet it has taken 4 months to let me know about the eye problem. If this had been a terrible illness, the stress of dealing with embrace would not have been worth it. My policy expires in July - I will be doing more research before renewing it. I am hoping this was a one off!
5

out of 5

POSTED: | BY: Effie

Efficient and Honest

This was my first experience with pet insurance, and I am so pleased that I had it. My dog had a large claim. Embrace did not question any expense and paid quickly.
5

out of 5

POSTED: | BY: Jess F

Embrace is grerat!

I've been with embrace for two years now, and I couldn't be more satisfied. The customer service is perfect, reimbursements are timely and accurate and the monthly autodraft makes making monthly payments easy.
5

out of 5

POSTED: | BY: Faith Poles

Peace of Mind

I am a use customer to Embrace. I had previously been a cusotmer of VPI which is another pet insurance. I have found Embrace to be a much better company for a few reasons: 1)better coverage at a lower price 2)response time from a representative has been awesome 3) reimbursement checks are prompt 4)follow-up from a representative is quick. Knowing my pet, Roxy, is covered by Embrace is peace of mind.
5

out of 5

POSTED: | BY: Leslie

Great everything!

I have received the maximum allowed reimbursement on every claim I have submitted. When there was a question or additional paperwork needed, the customer service reps were very professional and courteous and took the lead in doing whatever they could to help the process. Email communication is awesome. Reimbursements are speedy. I highly recommend Embrace to any pet owner!!!!

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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