Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,633

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: Dena McAtee

great, caring people!

We have several dogs and cats covered by Embrace insurance. We have been with them for 3 years. We have found the entire staff, especially Laura, to be caring, efficient and knowledgeable. We had insurance with a different Pet Insurance Company before Embrace and there is no comparison! Embrace is by far, the superior company in all ways.
5

out of 5

POSTED: | BY: Dottie Cox

Excellent, caring customer service.

We've been with Embrace for 1 year, and unfortunately one of our cats has had 2 serious hip and knee surgeries.The Embrace staff was caring and very helpful both times. The paperwork was easy and the reimbursement was very quick (2 weeks for surgery and other related claims). We're very pleased and will continue to use Embrace as well as recommend them to our vet and friends who have animals.
5

out of 5

POSTED: | BY: Tom Freund

outstanding customer service

Embrace responded to our claim in a expedious manner and was informative thru the whole process.This is not a company that is just trying to get out of the claim.I initially reviewed many companies and found Embrace to be my choice as a result of the reviews and I'm glad I did.
5

out of 5

POSTED: | BY: Anthony J.

You are the TOPS,GREAT.WONDERFUL

I told my neice to get your insurance for her new pet dog.I hope she does I will presure her.
5

out of 5

POSTED: | BY: Brian Batalon

Great Customer Service

I submitted a few claims recently for x-rays on our Bullmastiffs ACL and some other minor concerns. Our vet recommended we see an Orthopedic for a consultation. After that visit it was confirmed that our dog needed surgery. With the quote for surgery at $3,600, it was refreshing to know that the surgery would be covered. In less than a week I had a precertification of coverage for the surgery. I couldn't have asked for better customer service. When the vet bills pile up and future procedures are needed, it is nice to know that you have a great resource in the Embrace Team when you need them.
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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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