Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,440

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: Alan Millstein

Best Customer Service

We just started with Embrace. From the time I spoke with customer service rep through now processing our first claim they have been. I feel they really care. 5 Stars!
5

out of 5

POSTED: | BY: Vida Hill

Embrace Pet Insurance is the best

I am very please with the insurance. All my claims have been processed quickly with no problems,
5

out of 5

POSTED: | BY: Ray Osthus

Embrace is tops!

Sophie is a lovable little Shih Tzu. While traveling to Florida she had an accident while getting off the elevator at the Drury Inn in Paducah, Ky. We were going outside for her last "necessary" trip of the evening. It seems that the people waiting at the 1st floor level were in a rush to get on the elevator and not interested in us getting off. In the confusion Sophie apparently had her rear foot stepped on and she let out a "yelp" and apparently "torqued" her back. By 1 o'clock a.m. she was having difficulty walking and could not get comfortable. I called a vet in Paducah (never got an answer) and finally called the vet in Fort Myers and left a message. He called back the next morning before 7 a.m. and told me to get her to an emergency clinic when I got to Tallahassee, FL that evening. Prior to noon I stopped at a rest stop and she could not move her rear legs. The next city was Birmingham Alabama and I decided to look for such a clinic there. It was a Sunday and I knew that the vet clinics would be closed, however I called one and the recorded message included an emergency clinic's phone To make a long story short she had back surgery that day to remove a ruptured disc. The surgeon on call was James Milton, DVM, MS (retired professor emeritus AUCVM). What a lucky break that was! We are heading back to Iowa by car, on April 2nd and plan to stop to see Dr. Milton on the morning of April 3rd (2 months to the day from surgery). We left the clinic about no
5

out of 5

POSTED: | BY: J. Podsada

Great Coverage

Embrace Pet Insurance is reliable and prompt. My 4-year-old Corgi-Lab mix, my Corgador as I call her, had to have emergency surgery at Kansas State University Veterinary Medical Center. She's one of those dogs with short legs and a long spine, which can spell disc problems. I came home one evening to discover that her hind legs were paralysed. I had to drive four hours to get her to a veterinarian that could perform the surgery--the faster you get them to the operating room, the more likely they will regain mobility in their back legs. Long story short, she racked up a pretty hefty bill--but she is fine, and fully recovered. I submitted my claim and Embrace reimbursed me within two weeks. They didn't question the emergency surgery or any charges. I would recommend them--and have recommended them to new dog owners. They are prompt and professional. With insurance, I feel like I don't have to choose between my pet and my pocketbook. Good company, good service.
5

out of 5

POSTED: | BY: brett hartley

Subperb Service

knowledgeable, friendly, professional people/company. The insurance coverage is fantastic and is as advertised without gimmicks.

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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