Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,172

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: Diane Wolak

Excellent Service

Wellness exam done and $200 reward check received within 10 days. F/U email sent to ensure we got it. Embrace has the best customer service of any company I've ever dealt with. Keep up the good work.
5

out of 5

POSTED: | BY: Heather Creason

Embrace give me peace of mind

My last two dogs ended up with multiple medical problems and had to be sent to specialists. The cost added up so quickly, so I decided with my next dog I would invest in pet insurance. Well the good news is, so far she has been very healthy, but I also have the "Wellness" rewards on my insurance. This means for her annual vaccinations, check up and 6 months of heartworm and flea medication that added up to $218.00, all of it was paid except for the $18.00. I just took the claim form to my vets, she filled it out, I faxed it and after a week of processing I get an email the check is in the mail. How wonderful. Plus I have the added knowledge that if something does happen to my sweet little dog, its covered. The customer service if fantastic and I love this insurance. Thank you Embrace!
5

out of 5

POSTED: | BY: Brandi Johnson

Great Service!

I am a first time dog owner, so this is my first experience with pet insurance. I have recommended Embrace to any other pet owner I know. They are available to answer all my questions. They let you know they have received your claim and the response time. The money is deposited right into my account and they follow up that I have seen it deposit. I love the caring approach they take with me and my pet.
5

out of 5

POSTED: | BY: Goethals

Honored policy in full

After a sudden illness we took our 2-year-old dog to a well known emergency pet hospital. They treated her very well and kept us informed every step of the way. However, they had to conduct several test to determine and narrow down exactly what was wrong with her… at a time like that, you can’t pick-and-choose what tests you want and what you don’t if they are telling you what she needs, so we went along with the expertise of the hospital. At the end of a long day we had a groggy pup, and a bill that was over $900. Come to find out, she was suddenly affected by an ailment in which the immune system suddenly attacks the joint tissue in the extremities making it hard to walk and causes pain (there is a fancy medical term for it). Luckily a round of medication cured her, and now, in less than a month she is back to a playful, happy, pup. Embrace was so helpful. There is always a live person on the phone who is knowledgeable and ready to help. I believe they are in this business because they truly care about animals. When I went back to the vet to pick-up the dog’s medication I asked if he would fill out the Embrace claim form, which he did. I had my receipts and faxed it all in to Embrace. Embrace followed up with the hospital within days to request additional records. I received updated emails to inform me as to where my claim was in the process. I had a response regarding my expected refunds in less than two weeks, and Embrace had honored their policy in full. The
5

out of 5

POSTED: | BY: Heidi Kaplan

Excellent experience with claims

It was so easy dealing with my first claim with Embrace. This our first dog and many people told me how skeptical they were about pet insurance, but we have already paid for our insurance with one claim. They were great about analyzing the charges and having an explanation. Very nice experience, I would recommend Embrace to any 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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