Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,380

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: Ines

Quick & Very Pleasant!

The customer service at this company is amazing! Everyone is extremely friendly and understanding. The only reason I didn't give them a 10/10 is because as previously mentioned the communication between they staff there seems to be a little disconnected. As Chris on 9/9/2012 mentioned, I would too get multiple emails and speak to different individuals who wouldn't be on the same page. However, once everything got sorted out, everyone was very helpful and quick and haven't had any issues since. I got a few services done for my 2 dogs and about 5 days after submitting my wellness claims, the money was deposited right back to my bank account (they're still working on an illness claim). They are also very speedy with their email responses and very informative. Their follow ups allow me to know every step of the process as well as know that they're taking care of my claims. I was REALLY worried about buying insurance for my dogs and worried I wouldn't be reimbursed or run into problems but I've been so pleasantly surprised. I absolutely recommend Embrace. If you're skeptical, call customer service and chat with them. I bet you'll change your mind. :)
5

out of 5

POSTED: | BY: Laura Billings

Excellent as always

I absolutely love Embrace. Wouldnt have a dog without it.
5

out of 5

POSTED: | BY: Suzieq

They have your Best Friends back! :)

Our puppy endured three major surgeries by age by 15 months of age. Hip Displaysia and TPLO on both legs with complications. This was heartbreaking as well as a financial burden of over $16K to our family. She is still on the road to recovery. Very happy that Pet's Embrace reimbursed us for 80% of the those costs up to $10k a year.Thank's Pet's Embrace!
5

out of 5

POSTED: | BY: Louise SooHoo

Great company

My bulldog had eye surgery with several follow-up visits and Embrace has been a life saver for us. They let us know up front that they were behind and they kept giving us updates so we would not have to worry that our claim was forgotten.
5

out of 5

POSTED: | BY: Ken Huntman

A Positive experince

We had a great family pet for 14 year and never had any medical issues. When he passed away we decided that our house was not a home with a dog, Enter Bentley a very active fun loving Labradoodle. Bentley decided that eating things not meant for puppy would be fun. It was not 3 days at the Vet surgery and a vet bill that almost put me in the hospital was all we needed to look into Pet Insurance. After carefully reviewing all the polices including the one my vet's office suggest I decided on Embrace They were the one that had the most value for the money spent. Sadly our puppy once again decided to eat something he should not and was a the vet again (no Surgery required) but the final bill was easier to handle knowing that Embrace had our back This was one of the better decision I have made as a pet owner.

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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