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: Robert S

Responsive and Great Customer Service

This was my first claim with Embrace and I was very pleased with their customer service. My claim was handled within 15 buisness days as advertised and any questions I submitted via website were answered within 1 day and their employees I spoke to aon the phone were always professional.
5

out of 5

POSTED: | BY: Phil Horne

Wellness Rewards coverage pays for itself and more

Wellness coverage cost is money you will spend on your pet that you are reimbursed and provides another $100.00 of free money to use on any veterinary costs. The customer service is one of the best that I have experience. Any concerns are handled by the initial person that answers the phone, no transfers or answer machines. A very professional office. Multiple emails to keep you up to date on your claims. After much research in the Pet Insurance industry I am positive that I made the right choice with selecting Embrace. Thanks to all Embrace employees.
5

out of 5

POSTED: | BY: Grace Ng

Fast & Efficient

I submitted a claim for the vaccinations reimbursement and dental care and received the check within weeks. The customer service is impeccable and they always follow up. Excellent!
4

out of 5

POSTED: | BY: Danielle Lau

Fantastic

Staff is always on top of letting you know what is going on even if its just a quick email to let you know that they are a bit backlogged with reviewing cases. Staff is quick to email back with answers to any questions you have.
5

out of 5

POSTED: | BY: Pam

They care about our pets...

Abby, my dog, was found to have inflammatory bowel disease. It took many tests and vet visits and Embrace helped Abby and I get through all of this so Abby is a happy and vibrate dog now! Without an excellent primary care vet and a internal medicine specialist's care, Abby's disease wouldn't be found but that takes resources and Embrace was there to help us do that. I have been very happy with their caring messages and financial reimbursement for her care. Couldn't have done it without them! Abby says thank you too!
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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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