Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,633

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: Lynn B.

My Adventurous Heeler!!

We rescued a blue heeler last June and he is quite an adventurer. A few weeks ago he cut his paw while getting his daily exercise and a nearby park. The cut required stitches and medication. We are so impressed by the quick response from Embrace in handling our claims. It gives us such peace of mind knowing we have this coverage.
5

out of 5

POSTED: | BY: Vijay Shaeker

Best Customer Service

I had insurance with other providers for my previous pet. My experience with Embrace has been very good and their service is phenomenal. The claim was settled with in a week. Some one from Embrace followed up to make sure that I received the claim and made sure that everything is OK. I have recommended Embrace to all my friends and I am happy that I signed up with Embrace.
5

out of 5

POSTED: | BY: Christian Muncie

Caring for my cat...not worrying about the bills

My furbaby started losing weight, and a physical exam wasn't able to tell us why. My vet suggested running a complete set of labs to get a picture of what was happening. I immediately agreed, and I was thankful I could put my focus on my baby's health and not the bills.My vet completed the claim forms, and I emailed them into Embrace. Within a couple business days, I received an email that my claim had been processed and a check was on its way. I couldn't believe it was that easy. No hassles, no challenges, and no grief. I submitted my claim and that was it.
5

out of 5

POSTED: | BY: Mike Conover

ACL Repair Covered

Our young Newfie had to have her ACL repaired recently. Embrace covered almost all the bills associated with the procedure from early diagnoses and conservative treatment right up to Orthopedic second opinion and subsequent surgery.When filing claims Embrace staff reached out to the facilities to obtain the necessary information that I was lacking and ensured the claims were paid in a very timely manner usually with in 3 weeks. They were excellent during this very trying time.
3

out of 5

POSTED: | BY: Bret

What out during renewal time

Even thou you receive an email stating "Thank you for renewing your pet insurance policy number xxx and for being a policyholder since xxx" and withing the same email "Your renewal policy is effective on xxx through xxx/2015 11:59 PM ET". Mean your NOT really renewed at all !!! They sort of put the cart before the horse in emails it seems for reason I still can not explain.
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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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