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: Kathleen McNamara

What a GREAT Company!

I looked at many companies for pet insurance and finally dediced on Embrace. When I applied over the phone the customer service rep. was very informative and friendly. I had to use the insurance sooner than I thought and I was reimbursed quickly and without any hassles. I am extremely happy with my choice of pet insurance companies and I have recommended them to my pet owner friends.
5

out of 5

POSTED: | BY: Geri Bidgood

Extremly pleased

This claim is for a medication that was purchased outside of the vet's office(per vet's recomendation that it might be less expensive),for a fairly serious intestional/stomach issue.Once again Embrace came thru fast & as stated they would.I cannot be happier with this company.Thanks again.
5

out of 5

POSTED: | BY: Henslee Worsham

$10,000 Savings - 4 seperate claims

My dog Torsten has had 2 torn cruciate ligaments, severe joint damage, auto immune disease, and pnumonia(sp?) twice. Embrace has paid (Immediately) for 2 separate TPLO's from surgeon specialist, 24 hr emergency visits, all vet costs, AND Amazingly! 2 separate Stem Cell Retrieval and Injections. They have paid out over $10,000 on this one dog, and gave him 4 extra years of quality life. They literally saved his life 4 separate times. These people are simply Crazy Over-the-Top in ease of claims, immediate Personal contact, follow up, and ..well everything. They cover Everything, unlike most other well-known Pet insurance companies, AND they are possibly the LEAST Expensive! I kept my pet insurance even when I could not afford my own health insurance..and it was a wise decision. I respectfully suggest that everyone recommend this company to anyone owning a Dog or Cat. Most Sincerely, Henslee Worsham
5

out of 5

POSTED: | BY: Barbara Hildebrant

Great plan

Once again our claims for Teo and Tess were processed promptly, clearly explained, and checks arrived - all within about two weeks of claim. The adjuster even sorted out two for Teo - one his wellness, and the second for an ear infection discovered during the routine visit. We are very pleased with Embrace.
4

out of 5

POSTED: | BY: Kristen

So Far So Good

So Far So Good with Embrace. We were really having a hard time picking between insurance carriers and ended up just pulling the trigger - figuring if we were unhappy we would just switch. And like I said, so far so good. I was hoping to get a little more back on our mastiff's entropian eye surgery but 60% isn't bad. I'm probably most happy with their promptness and customer service.
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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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