Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,666

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: Rebecca

Excellent communication and follow-through

This is my first experience with pet health insurance and so far I am very happy. I needed a lot of explanation and then made several changes in the first weeks of my new policy and each time I phoned Embrace the reps I spoke to were courteous, patient, and took immediate action. Every phone call was followed by a confirmation email letting me know the requested changes had been made. I've only had one vet visit so far and I received a partial reimbursement check for that visit about a week and a half later. Having never had pet insurance before, that check made my day! I look forward to my future dealings with Embrace and feel like just knowing the insurance is there lifts the burden of wondering "what if" when it comes to the health care of my dog.
5

out of 5

POSTED: | BY: Beth Carson

A-1 rating in my book, Embrace has a good product.

Helpful and informed phone services are one of your strongpoints. I felt my questions were answered expertly.
5

out of 5

POSTED: | BY: Bernie Coffee

Awesome customer service

I have only had Embrace for the last 3months and i was referred by my vet to look into Embrace,that he found they are the best pet insurance and he was right. I did check other pet insurances, including Petsmart. Petsmart insurance is only for their vet and certain locations,. Embrace allows you to go anywhere and offer many different plans to work with you and your pet.I just turned in a wellness claim and was reimbursed quickly.When you call with any ?? they are great and you will have your answer when the call is finished. I have referred Embrace to my family and friends and now my husband is telling his co workers about the pet insurance that his wife picked out.Iam very pleased and I have peace knowing that I have insurnace on my pet...Thank you Embrace for the excellent customer service that you have provided to me.
5

out of 5

POSTED: | BY: Steve Prichard

Pleased and surprised

I have never had pet insurance before, but after purchasing a new pointer pup for quite a price, I felt I needed to provide protection for her. After much research I settled on Embrace as having the most BANG for the buck. I have been tremendously surprised and pleased with their caring attitude and quick response to claims. I heartily recommend Embrace to anyone with a pet.
5

out of 5

POSTED: | BY: Billy Journell

Easy Claim

Everything went very quickly and efficiently. Cust Service was very courteous and helpful. Impressed.
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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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