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: Meg

Compassionate & Outstanding Customer Service

Embrace pet insurance is our protection from having to make the decision of treating our furry family member's medical ailment or taking a potentially huge financial risk. Their customer service has been outstanding; they are honest, communicate clearly, and have quickly processed and been very transparent about the claims process. We highly recommend Embrace, and will continue to use them with our pets.
5

out of 5

POSTED: | BY: Jeffrey Packard

excellent customer service is Embrace

Jennifer Doering Embrace rep is another team member at Embrace who has stepped up and given us tremendous and timely and appropriate and kind service. We had not had pet insurance before Embrace with our Newfoundland Ella, I'd like to share with you the review I wrote for Smoketown Vet Hospital for which Embrace was a big part as you walked alongside us the whole way to take care of Ella. "Barb and I own Ella a year and eight month old Newfoundland. She began to hobble and limp in pain after running and playing when she was a little over a year old. We found out from Dr. Gayle Jaeger at Smoketown that she had to have shoulder OCD surgery on both of her front shoulders. Dr Jaeger and the team, everyone, at Smoketown Vet did an incredible job. Dr. Jaeger was wonderful, understanding, kind to Ella, professional, skilled, patient and a great surgeon based on the awesome results. Ella now runs and swims - she's a Newfie! she swims and swims and swims and swims! and plays and chases and now at full speed and with great ease. We're looking forward to years and years of great companionship and activity. The care and friendliness and skilled and persistently achieving rehabilitation team headed up by Dr. Sarah Urban was fantastic - Ella was excited to go there every time it was rehab day - they treated Ella like a star - and even sent home a silly picture of Ella just because they were enjoying spending time helping her recover. The administrative staff was wonderful from accurate rea
5

out of 5

POSTED: | BY: Sue C

Quick, friendly response and updates.

Easy, quick, pleasant, couteous,on top of things...and, that was for a wellness visit! Thor is a very healthy 4 year old male persian (doll-faced), and I intend to keep him that way for a good long time. I am not just going to hope for the best, I am planning on it. That's why I purchased Embrace.
5

out of 5

POSTED: | BY: Bob

Man's Best Friend

Embrace handled two injury claims for our Lab, Bailey, in a very professional and business like manner. The customer experience was great and recommend Embrace for any pet owner. The recommendation of Embrace came through our Vet, Dr. Johnson in Bernardsville, NJ. Embrace always has been considerate and always refer to my best friend by her name. Thank you!
5

out of 5

POSTED: | BY: Diane

Embrace Wellness Payment

I took my two golden retrievers (8 & 6.5 yrs)for their annual wellness visit. I received my payment for both dog's visits in less than 2 weeks time. My dog's have been insured with Embrace for 8 years and Embrace still continues to impress me. They are always prompt to respond. They send notices upon receipt of your claim. If there's a delay in processing, they notify you. This company is wonderful. They truly care. I can't say enough good things about this company. I wish I could say the same for my health coverage insurance company.

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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