Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,490

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: shari

i like what my vet said about u..

i just started.. my boxer is 10 months old- speedy - she is a great dog. but i no boxers they do have problems in the later years. but i wouldn't trade her in 4 anything, having said that, i have no problems now- but when i do need embrace - i no they'll be there 4 me. from what i hear embrace well be very good to me & my speedy..shari
5

out of 5

POSTED: | BY: Caitlin McKenna

Amazing Insurance Company

I really wish insurance companies for us humans acted like this. My three-year-old dachshund just underwent emergency back surgery on the 14th of September. The total bill was 4,622.12 and I just got an email on the 7th informing me that they are paying 3,294.32, which is fantastic! (I have a 20% co-pay and a 500.00 deductable.) I love this company. Everyone is always courteous and professional. They send you an email to let you know that they received your claim form. They send another email if they think things are backed up a little, but seriously, 3 weeks is incredibly fast compared to my own insurance company. They even send another email to make sure you received your check. Who does that these days? Their customer service is incredible. I've heard nightmare stories about other companies. Embrace is truly the best insurance company out there. You will not be disappointed.
5

out of 5

POSTED: | BY: Ines

Quick & Very Pleasant!

The customer service at this company is amazing! Everyone is extremely friendly and understanding. The only reason I didn't give them a 10/10 is because as previously mentioned the communication between they staff there seems to be a little disconnected. As Chris on 9/9/2012 mentioned, I would too get multiple emails and speak to different individuals who wouldn't be on the same page. However, once everything got sorted out, everyone was very helpful and quick and haven't had any issues since. I got a few services done for my 2 dogs and about 5 days after submitting my wellness claims, the money was deposited right back to my bank account (they're still working on an illness claim). They are also very speedy with their email responses and very informative. Their follow ups allow me to know every step of the process as well as know that they're taking care of my claims. I was REALLY worried about buying insurance for my dogs and worried I wouldn't be reimbursed or run into problems but I've been so pleasantly surprised. I absolutely recommend Embrace. If you're skeptical, call customer service and chat with them. I bet you'll change your mind. :)
5

out of 5

POSTED: | BY: Laura Billings

Excellent as always

I absolutely love Embrace. Wouldnt have a dog without it.
5

out of 5

POSTED: | BY: Suzieq

They have your Best Friends back! :)

Our puppy endured three major surgeries by age by 15 months of age. Hip Displaysia and TPLO on both legs with complications. This was heartbreaking as well as a financial burden of over $16K to our family. She is still on the road to recovery. Very happy that Pet's Embrace reimbursed us for 80% of the those costs up to $10k a year.Thank's Pet's Embrace!

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 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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