Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,312

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: Dominique

Embrace is the Best!!!

Having a puppy requires a lot of vet visits and a lot of costs. So far I have been to the e-vet twice with my FiBi and have also had to deal with a nasty ear infection that required several visits to my regular vet before it cleared up. And FiBi isn’t even a year old yet. Without Embrace I would have had to absorb over $4,000 in vet bills this year alone. The Embrace staff is amazing and their customer service is top notch. They are so helpful and they truly care about their customers. I would recommend them to anyone. Their turnaround time on claims is really quick and they even have direct deposit. They will email you and update you thru the entire process and will follow up after the fact to check and see that you claim was settled and also to see how your animal is doing health wise. I will never have another pet that is not covered by insurance again and will ALWAYS use Embrace as my insurance provider. Thank you Embrace for being awesome.
5

out of 5

POSTED: | BY: Linda Hair-Sullivan

courteous and efficient

I have had Embrace for my Llhasapoo Max for 3 years. I have used the Wellness coverage each year. It is amazing that I can recoup the money spent on shots, yearly exam,etc. The responses and refunds are prompt and courteous.
5

out of 5

POSTED: | BY: Tricia Branch

reimbursement

Very good on reimbursements and follow-ups, once submitted. They did lose some paperwork I had mailed, but when I re-submitted via email, it was quickly processed. So always keep copies if you mail in claims!But they are very nice and helpful and I find service quick! Had 3 claims to submit.
5

out of 5

POSTED: | BY: Davida Ruff-Miller

So far no doubt in our choice with Embrace

We recently brought our Mastador Kevin into our family and decided to give pet insurance a try. So far we have had 1 wellness claim that was smooth and quick. Unfortunately we have had one accident claim which is in process, and have confidence it will be just as easy. All forms are user friendly and contact with customer service has been very efficient.
5

out of 5

POSTED: | BY: Janice Thompkins

Embrace is the best!

After days of researching Pet Care Insurance, we concluded that Embrace was exactly what we needed. Now more than 2 years later we are so very glad we chose Embrace. With 4 dogs, 2 of them being Saint Bernards which we brought into our family at 10 weeks, we did not anticipate any health issues. Embrace has been there for us at every event and has not once questioned our need to seek medical care for our family of furry friends. Both of the Saints have had to have eye surgery and elbow surgery on both elbows. Our Mini Schnauzer has developed extremely hard to control diabetes and is scheduled to have cataracts removed from both eyes.The research my wife did led us to understand that Embrace was unlike other Pet Care Insurance companies. Embrace actually pays according to the charges and not according to a schedule that has been predefined. As most of us know, an ear infection or allergy for a Saint Bernard is somewhat more costly to treat than the same for a Dachshund. The cost of caring for each breed is somewhat different and therefore does not fit into a one size fits all schedule. Additionally, the staff at Embrace is very helpful and always courteous. Ever ready to answer questions and walk a client through all situations. We recommend Embrace without reservation to everyone looking for pet insurance. For us it will always be our choice.

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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