Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,530

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: Lulu B

Best insurance ever...

This company is great I got my schnauzer cover on a Monday and by Wednesday the vet was recommending the flea and heartworm treatment, I call the company and asked if they would cover the expense of the treatment they said yes...I am very happy because my little Miss Daisy is protected..Thank you Embrace...
5

out of 5

POSTED: | BY: Alan and

Embrace Pet insurance has been very worthwhile

We have been with Embrace for, I believe, 4 years. Whenever we have had questions, they have been carefully answered. Whenever Embrace has had administrative issues, they have been explained and improved upon. If there were claim issues such as an overly long response time, the have been explained and addressed. Embrace is very committed to customer service (pets and people). We have visited the office and are always welcomed by the staff and their pets.
5

out of 5

POSTED: | BY: Sarah

Heartbreaking Injury- Greatful for Embrace

My 6 year old lab suffered an FCE-- in short, its a blood clot in the spine which causes paralysis- hoping and praying its temporary as the doctors say- but it has been devastating to see my baby not be able to walk or use the bathroom on his own. What also could have been devastating- is the Vet bills. The accident happened on a Sunday so he went from the Emergency Animal Hospital, to the neurology floor of Penn Veterinary Hospital, check-ups back with home vet when he was discharged, and now weeks ahead of physical therapy. I got Bauer pet insurance after a prior surgery a few years ago and am so relieved I did. Embrace processed the claim quickly and each person I spoke with on the phone expressed genuine concern for Bauer and his recovery!
5

out of 5

POSTED: | BY: Mark F.

Tech Speed with Old Time Values

Say "Insurance Company" and people's eyes either glaze over with boredom or turn hard with anger. Whether property and casualty or health and financial services, the industry has become a nightmare of phone trees, impersonal service, and neglect. EMBRACE is the happy exception - they have managed to breed the speed of service that technology brings with actual caring people and a sense that you (and your pet) are valued. Every time I've called or submitted a claim the service has been prompt, courteous, and even better, I got suggestions on how to make the process easier! I have a rare breed puppy and am probably more vigilant than many when it comes to getting the best service I can for the money. I'm very happy with Embrace and would gladly recommend it to others.
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.

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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