Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,461

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: corinne freaney

personal touch much appreciated

i don't know any insurance, people or pet, that drops an email to check on how my pup is doing. embrace does that, and more. my petunia suffers from allergies, and embrace has been very supportive of her treatments as my vet and i get her on a routine with meds and food so that she can live a relatively normal life. she is a sweet dog; i hate to see her not feeling well, and embrace "embraces" her with their personal touch. much appreciated, embrace, and all you "embracers".
5

out of 5

POSTED: | BY: Pia V

Friendly and caring

I just want to say thank you Embrace! We had a diffiult 2 weeks with our pug being sick with Perivulvar Dermititis and not getting diagnosed correctly nor the right treatment at first.. The way the claim was handled at Embrace gave the whole nightmare a happy ending. Will keep on recommending Embrace to every pet owner I talk to!
5

out of 5

POSTED: | BY: Patty Roberts

Informative, helpful & excellent customer service.

After our Snoopy (yellow lab) passed away from cancer we decided that with our next pet we would purchase pet insurance. We did a great deal of cost comparing with different insurances and Embrace gave us the most coverage for our money. Our Vet.. (Cooke Vet Medical Center..Va. Bch. VA) had a brochure in their office detailing Embrace's policy. From the moment Marbles (yellow lab) arrived at 3 months old Embrace had given us excellent service when filing his claims. The customer service we receive via phone or e mail is outstanding. Embrace goes out of their way to explain benefits and claim coverage. The speed of reimbursemts with Embrace is the best. Not only is it fast but they let you know when you should be receiving it. What a tremendous comfort it is knowing that in today's trying economic times that there is a pet insurance company like Embrace that helps us with our pets needs. Thank you to everyone at Embrace for your outstanding customer service. It is greatly appreciated.
5

out of 5

POSTED: | BY: Tammy Downes

Great Customer Service

My 2 year old boxer was recently diagnosed with a bout of follicultis and I submitted vet bill to Embrace. They acknowledged receipt of my claim quickly, kept me updated and responded that a portion of the diagnosis would be covered and a check would be forthcoming. I never had to worry about where my claim stood!
5

out of 5

POSTED: | BY: Mary-Kay Young

Very pleased with customer service!

So far I'm very pleased with Embrace. Kodi was having issues with blood in stool. The vet decided to do a fecal to rule out parasites. After that Kodi had a barium test and a few x-rays to see if he had swallowed a foreign object. I was reimbursed the exact amount that I figured I would get. I was sent emails which kept me up to date on the status of my claims. My check is in the mail as I write this for a claim on made on 7/12/11.

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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