Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,434

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.
2

out of 5

POSTED: | BY: Megan

Poor Service

This company never returns my telephone call unless threatened. I had simple questions concerning my policy, called 3 times, and never received a return call. The next time I called I left a message saying I wanted to cancel my dogs coverage because of their practice. Surprisingly, immediately I got a returned call with a friendly voice on the other end...How does that happen?
5

out of 5

POSTED: | BY: Tom Lewandowski

If only my own health insurance was this good!

Incredible service! Embrace has exceeded our expectations of what pet health insurance was like. Unfortunately, our puppy has had a bit or a rough stretch and we've needed to utilize the coverage -- and Embrace has been there for us. No hassles; just good service.
5

out of 5

POSTED: | BY: Dan

Awesome! Worth Every Penny!

Their customer service is amazing, and they are very fair. Our dog ended up with a number of health problems, and the service pays for itself just with his prescriptions. He also had an emergency, and Embrace paid a few thousand dollars. We never would have been able to pay for our dogs hospital visit without the insurance. They always email us to let us know what is going on when they are processing a claim. Our dog gets better medical care because we don't have to worry about the price. We put his bill on a credit card, and Embrace sends us a check before the bill is due.
5

out of 5

POSTED: | BY: Mo

Head and Shoulders Above The Rest!

I’ve been using pet insurance for over 10 years, and have experience with a half-dozen companies. I’ve been using Embrace since Summer 2007, and have submitted claims for a minor condition in one of my cats, and more recently, many claims for a serious condition in my kitten. Embrace has handled all claims beautifully – their claims process is streamlined, efficient, and fast. Their customer service is not only the best of any pet insurance I've used, but of *ANY* company I've ever dealt with. For more detailed information, you can visit the Invisible Voices blog where there is a great series on pet insurance. On this page I’ve reviewed Embrace twice, and throughout the series I’ve posted about some of my history & experiences with pet insurance. http://invisiblevoices.wordpress.com/2007/04/07/pet-insurance-part-4-reviews/#comment-4839
5

out of 5

POSTED: | BY: LYNNE MCCARTHY

EXCELLENT HELPFUL

THIS IS TH EFIRST TIME I PURCHASED PET INSURANCE. EVERYONE AT EMBRACE IS VERY HELPFUL AND COURTEOUS. THEY ARE FAIR IN THEIR REVIEWS. I WILL MOST CERTAINLY RENEW THIS POLICY.
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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 detail
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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