Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,380

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: T. Wright

Excellent Communication and Timely Reimbursement

Embrace proactively and precisely communicated with me through each step of the claims process. The process itself was relatively painless and I never had to talk directly to a claims agent or explain any of the paperwork. I feel like we got a good deal on the insurance. We opted for the plan where we invested X dollars up front (can't remember how much) and then were reimbursed up to $400 in routine care coverage. The claim was processed quickly and I received my checks as expected. Thanks Embrace for being such a joy to do business with!
4

out of 5

POSTED: | BY: Trisha

Thanks for being speedy

My puppy has had a lot of health problem and I have submitted a few claims. Embrace was great about getting all the paperwork from the vets and getting my reimbursmnet to me quickly. Thanks
5

out of 5

POSTED: | BY: Amy B.

Still happy and on my third year . . .

I'm on my third year with Embrace coverage. While the premiums have increased more than I anticipated each year, I am still pleased with the polices and continue to recommend Embrace. Each of my claims have been processed quickly, they associates kept in frequent contact with me throughout the process, letting me know what stage they were in (we received you claim, we requested additional info from your vet, your claim was covered, etc.). All the staff has been helpful and easy to work with!
5

out of 5

POSTED: | BY: Barbara Tanski

Excellent service!

For years I had considered subscribing to a pet insurance company. I was always afraid of buying a policy that could potentially turn into a hassle once a claim was submitted. I chose Embrace because of the cost of the policy in relation to the benefits offered. I just submitted my first claim last week and was very pleasantly surprised at the speed of communication regarding the review process as well as the refund itself. I am very happy that I chose Embrace as my pet's insurance company.
4

out of 5

POSTED: | BY: Kim Moffitt

Surgery covered quick, easy

We're very happy to have Embrace pet insurance. Our 4 year old cat Kato ruptured his ACL, and both his exam and surgery were covered quickly and fairly at 80% (our chosen rate). There were no hidden exclusions or surprises. We were very happy with the coverage and the customer service. I only gave 8 of 10 because Kato also had a dental surgery, and we were disappointed to learn that the insurance does not cover dental. (Yes, we should have checked more thoroughly!) They have a special dental program but it would cost $300, and cover $400 worth of expenses. Overall we are very happy with Embrace and have recommended them to friends.

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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