Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,312

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: Ronnie

AWESOME COMPANY!!!

I have been a long time Embrace customer and unfortunately have had to use my policy on a number of occasions. From cancer with my goldens to my Dane Rex bloating, Embrace has never let me down. I just recently lost my 3 legged Dane "Hope" after a long hospital stay. Embrace covered everything as expected. Even covered the doctor who came to the house to to accupuncture. I have all 4 of my dogs covered by Embrace. They are the best!!!
4

out of 5

POSTED: | BY: megan

Good communication

I have a bunch of past claims, and they have been helpful processing each one, and emailing me what is going on with each claim. They have been very helpful and quick with their responses.
5

out of 5

POSTED: | BY: Max Jacobson

I found the right pet insurance company!

My claim of $571 was fully paid less my $200 deductible and 20% copay. No ifs, ands, buts. Good job!
5

out of 5

POSTED: | BY: Jennifer

Very personal and wonderful customer service

So far my experience with Embrace has only been positive. Fortunately we haven't run into anything major with our dog, so we haven't experienced that coverage fully ... but the illness claims I have submitted toward deductible have all be handled efficiently and I'm pleased with the process! The thing I love about Embrace over the last year is that they are so kind, considerate and professional! You know that it's a real person you're communicating with and not some client-service "drone" :) I love Embrace and highly recommend it to any one looking for pet insurance!
3

out of 5

POSTED: | BY: Chris

Paperwork Confusion

I have been paid for this claim but I feel the communication between people at Embrace is a little fractured. I sent all of the appropriate paperwork on this claim probably 5 times until they emailed me back asking for it again. Also, it seems that I had a claim when they're trying to implement a new claims system and it took a month. Aside from that, the paid as expected.
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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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