Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,249

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: Marjorie Walraven

Very glad I have Embrace

My Border Collie mix developed severe glaucoma and required surgery in both eyes. The Embrace staff was always helpful and courteous, I sent my first claims, relatively small ones for the local diagnosis and care, by mail. The review took several days, but i was able to keep track of it online. The surgery bill was faxed, and I was shortly notified of the direct deposit option. The smaller check arrived by mail, and the direct deposit was made a couple of days later. I received an e-mail to make sure that the mailed check had arrived. The fact that insurance covered the major expenses greatly eased the stress of her difficult treatment. She is the first dog I have ever insured, but if I get another, it will also be covered by Embrace. My only problem with the company is that I cannot upgrade her policy without making the glaucoma pre-existing, which of course I won't do.
5

out of 5

POSTED: | BY: Warren Murdoch

First Pet Insurance you should consider

Embrace Pet Insurance is a way to put those unexpected expenses to rest. The policies are easy to understand and claims are paid promptly. My advice is to buy pet insurance when you don't need it and to ask your vet about the types of expenses you will occur with your pet.
5

out of 5

POSTED: | BY: Rob Catalano

Thanks for caring

Embrace was very prompt in both issuing a claim check and handling a cancellation for my recently deceased friend, CG. She stopped eating and being her perky self. After an expensive procedure to diagnose the issue, Embrace covered 75% of the bill which helped a lot. It turned out to be pancreatic cancer and CG went to kitty heaven a few weeks later. Embrace was very understanding and caring when I told them about CG and handled the administration quickly. In addition, the customer care team sent a very nice card and made a gift to www.irememberyou.org in CG's memory. My wife, Mary, and I want to thank the entire staff at Embrace, and especially Christy, who works for both Embrace and our Vet, and handles our paperwork. Thank you, Embrace, and CG's remaining kitty family is glad to have you there for them as well.
5

out of 5

POSTED: | BY: Todd Taylor

Fantastic Pet Insurance Company

Embrace has been fantastic company, and exactly what we read and anticipated after doing our research. Looked at over a half dozen pet insurance companies and found embrace to clearly be the best based on price, policy flexibility, cap limits, overall coverage, and customer reviews. Unfortunately one of our cats developed cancer, and projected costs were in 8-12k range, with no guarantee the treatment would be successful, we would not have been able to afford the treatment without our policy. It's likely we would have had the very difficult decision on wether to put Dublin down or let the cancer do it. But we were able to go with the treatment, and by all accounts it was 100% successful, and he is back to his old self. Everyone we have dealt with has been professional, empathetic, and very supportive. Initial claim took a bit long, but the next ones were all under two weeks. We would highly recommend investing in an Embrace policy for your pet. It will provide great peace of mind...and if it unfortunately comes to it, grant you the luxury not to have to make a very very difficult decision. Todd T
5

out of 5

POSTED: | BY: Victoria Valton

Responsive Service!

Our pet Floyd has had Embrace insurance since he was a puppy for 4 years now. From his wellness claims to more serious health situations, Embrace has been incredibly responsive in processing his claims, sending reimbursement and at some times explaining why the claim is not covered. Our family is very pleased with Embrace and will continue converage.

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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