Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,397

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.
4

out of 5

POSTED: | BY: J Matheny

I'm very pleased.

I was expecting a lot of hassle and was greatly surprised. This was my first experience making a claim. I have only had the insurance less than a year and was impressed with the quick response time and reimbursement with little questions asked. The only request from them was to have detailed notes from the vets up to a year prior to the strat of the insurance, which was not difficult to supply nor unreasonable.
5

out of 5

POSTED: | BY: Khairunissa Hadi

Wonderful Customer Service and Promp Communication

I am new to pet insurance and Embrace was one that my employer recommended. I am so glad I did, because I am very pleased with the communication and response time. Embrace seems to really care for their customers and go out of their way to make sure they are aware of what is going on with their coverage and claims. You are never left out in the dark. I feel confident in my choice with choosing Embrace and will be a loyal customer for years to come.
3

out of 5

POSTED: | BY: Trina

Embrace is fair

I have never had pet insurance before, so I don't have anything to compare it to. Embrace is fair. If you are going to go with Embrace, you should for sure get the wellness plan. We got the one under, and every time we call they say "If you had the wellness plan...we would cover it." But I guess our biggest concern was just wanting something there incase there needed to be an emergency surgery!
5

out of 5

POSTED: | BY: Dorothy Zombeck

I am new with Embrace but very pleased.

I am new with pet insurance altogether but so far I am happy with Embrace. They respond quickly to any emails and took care of my claim very well and very timely.
5

out of 5

POSTED: | BY: Jennifer

Great Customer Service

Our 3 month old puppy had an intestinal blockage a few days after our coverage began. We incurred some large vet bills over the course of a week. Embrace was great. I got friendly and helpful people on the phone every time I called and also received numerous emails during the claims process. Embrace covered everything we expected and we received our reimbursement check very quickly. I was very happy with our experience.
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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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