Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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: Donagene Jones

Excellent Service with a friendly touch :)

We have an Alapaha Blue Blood Bulldog that just turned three and was diagnosed with Osteosarcoma and Metastatic Cancer. We are devastated since that horrible day August 27th, 2013. We chose to amputate his leg to rid him of the pain he had been in for six weeks while we thought it was just an injured knee. It all happened so fast and expenses came quickly. We felt comfortable in choosing quality of life for our baby Bobbo. Embrace took all the claims and within a few weeks turned everything back to us that they had promised. We are facing a horrible situation and Bobbo isnn't supposed to live past November 1st but we have a great Oncologist, Dr. Alice Villalobos, and a good plan so we're as hopeful as we can be from day to day. Bobbo is doing well and that's what counts. We have our second round of Carboplatin tomorrow in LA. Thanks Embrace on making it feasible to enjoy our baby a bit longer with all the treatments.
5

out of 5

POSTED: | BY: Donna Azzarone

Customer service excellent

I have found from the beginning when I decided to purchase health insurance for my dog from embrace right to processing the claim customer service has been a priority with this company. It has been a painless positive experience.
5

out of 5

POSTED: | BY: George C

Outstanding Service

Embrace continues to impress me. My poor pup had some stomach problems, and we had to run the usual battery of tests. I quickly and easily submitted my claim, and a couple of weeks later, I got a fair reimbursement for the majority of my two claims. Can't complain. I have a sense of peace of mind being an Embrace customer, especially with as expensive as pet care can be. Pet insurance is essential these days, and Embrace is the way to go...I've been a member for almost 4 years. Highly recommended!
5

out of 5

POSTED: | BY: Mickee

Excellent service

I have used other pet insurance policies in the past, but none of them were ever as quick a turnaround on the claims as Embrace .
5

out of 5

POSTED: | BY: Peter Mowschenson

My initial experience

I reviewed various options for pet insurance and settled on Embrace because of the wide coverage and the fact that they take puppies and cover wellness care. So far I am frankly very impressed. Within 48 hrs of signing up my new puppy had his required exam which I have already been informed has been reimbursed (only a few days later)and then the puppy became ill and had to be taken back to the vet... and again this was promptly covered. However what really pleased me was the totally personal response to my email questions and the caring attitude of the responding staff. Even though they must have many emails each day my response was personal and not the usual computer generated note I am used to from health insurance companies. I am very pleased I signed on.

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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