Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,243

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: Janice Paananen

Great customer service with Timely Reimbursement

My golden retriever (only 3 years old) had to have cranial cruciate ligament surgery. This is the first time I have had insurance on my pets, and would do again without hesitating. I did not have insurance on my previous Golden and ended up spending over $3,000 out of pocket for surgery. The embrace staff were awesome. Great customer service. They answered all my questions and processed my claims very timely. I have nothing negative to say.I have recommended this insurance to several of my friends and especially to new pet owners. Great job Embrace, you should be very proud of your staff.
5

out of 5

POSTED: | BY: Joe

Happy Puppy!

I couldn't be happier with the whole policy. Embrace's staff were very helpful and the claim for my dog was processed quickly!
5

out of 5

POSTED: | BY: Elizabeth Mandak

Customer focused,efficient,professional

Very pleased with service from sign up to filing first claim.Knowledgeable, pleasant staff, and clear communications. Very happy and satisfied overall.
3

out of 5

POSTED: | BY: Linda Tommasulo

My Claim Was Closed

I have been a customer for a number of years, and have been very satisfied with the plan. However, my last claim for my new dog, Shyla, was completely mishandled. First, it was processed under my other dog, then it was "closed for lack of information." I was never notified or questioned for additional information. After I sent a message on your website, I received a reply and, after refaxing the paperwork and an additional receipt, the claim was processed. I can understand if there is a question about a submission, but do not understand why the claim was closed without any notification. It is not a very professional way to do business.
5

out of 5

POSTED: | BY: lrhaber

Embrace moved fast and was fair!

Good work Embrace; first company that lived up to it's advertising in my 40 years of having my animal friends live with me :)
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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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