Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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: Barbara

Best pet insurance!

This is the second review that I am writing for Embrace. It has been a very stressful 2 months for both my cat Cookie and myself due to his CHF. I am happy to say that the one thing that I didn't have to worry about was reimbursement from Embrace. I have repeatedly heard at the Vet's office that most insurance companies really give their clients a hard time; I proceeded to tell them about Embrace and the wonderful service that they offer. I highly recommend Embrace to all pet owners.
5

out of 5

POSTED: | BY: Yumi luke

Fast response , great service!!

I just want to thank you for all your help and service.About 70% of our bill was covered and my dog Rascal was all taken care of 100%! Im so glad that I decided to have this insurance for my dog.
5

out of 5

POSTED: | BY: Skip Morris

Embrace does it right!

We have had the sad experience of having had to utilize our pet insurance a lot, and Embrace has always been there for our dog Marley. The friendly concern of virtually everyone with whom we have had contact was not just a sales gimmick, but has been characteristic of each and every of the many sad times when we have had to make a claim. They have been prompt, thorough and wonderfully understanding of our dog's misfortunes. We are grateful and cannot recommend them highly enough.
5

out of 5

POSTED: | BY: Bill (North

Great company all around

I had Embrace for my dog for over 4 years. He suffered from epilepsy and it was a long tough battle to try to control the seizures. Embrace was awesome and was the only reason we were able to continue to provide the best care for our dog for as long as we did. Every procedure and emergency room visit was covered without question. At one point, we had an MRI and spinal tap performed ($2,500+) and it was covered. It was a huge relief knowing Embrace would not try to find a way to not cover the bills.
2

out of 5

POSTED: | BY: Iowa

Speed of service

I received three emails that processing my claim was running behind. That is fine but don't tell me it will take two weeks if every claim i make is going to make will take 4-5 weeks. This is not the first time. I also work under a two week deadline and hold myself accountable to get the product out to our customers. Kind of question who is accountable at Embrace.
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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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