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: Mastiff Mix

Covers more than others, but competitive price

I chose Embrace pet insurance because it covers a portion of the actual vet cost (not a standard cost that my vet always seems to exceed by a large margin) and because it offers a Wellness component and orthopedic coverage (for a large breed dog, it is essential). The purchasing process was simple and the communication in setting up my account and transferring the necesssary information was well supported by Embrace staff. The website offers a chat function that has been truly helpful to me, answering any and all questions I had in record time. My communications with staff have felt very friendly and "small business" as opposed to the feeling like an asnwering service that wanted to find ways to complicate the process or deny claims. I stangely feel like they truly care for the health of my pet. That being said, my first claim went through in just a few days. So far, everyhting with Embrace has surpassed my expectations and encouraged my future purchase of policies. Highly recommend.
5

out of 5

POSTED: | BY: Judy Barbarite

Great Benefits and a Fast Turnaround!

After a bad experience with another pet insurance company, I closely examined them all with a more experienced view. Embrace is the best by far! The coverage is fantastic, the cost is not oppressive (and I have three dogs!), and the fast return on claims is amazing! I am SO happy with Embrace Insurance. I highly recommend them to everyone! You won't be disappointed!
5

out of 5

POSTED: | BY: Tracy Womack

Great reimbursement and customer service

I just submitted my second claim to Embrace as 3 claims in one. I had many questions to ask and with each one the customer service rep answered my questions promptly and with courtesy and respect. It is rare to find that these days but Embrace sure does come thru with that. They also handled my claim(s) in more than a timely manner and absoulutly correctly as well. I would recommend Embrace to any pet owner looking for insurance.
5

out of 5

POSTED: | BY: cecile guildford

Excellent Service

This insurance carrier is very responsive, courteous and timely. I have submitted claims for wellness rewards, sickness, and regular vaccinations and all have been handled promptly.
5

out of 5

POSTED: | BY: Louise

Quick, but thorough review & response time

Thank heavens for pet insurance. I have two dogs who have had several health issues. Embrace has been there for us through all their trials and tribulations and instead of feeling exasperated having to deal with an "insurance company", Embrace has made the financial aspect of this much more bearable. Claims are handling quickly and within 1 - 2 weeks of being submitted. Thank you, Embrace.

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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