Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,675

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: Maxxie, SF

so far, so good =)

I just switched to Embrace last February for my almost 4 y/o pug. I must say their notification process are very good. They email you to confirm receipt of claims and results of claims so you dont have to wonder whatever happened to it. You can also submit claim via email which is very very convenient instead of mailing it or faxing it. They give you really good reminders. If they didnt remind me of that orthopedic exam to waive the waiting period from 6 months to the date of the exam, I wouldn't have been able to do it and have to wait for that 6 months period. Their claim response was really fast! I emailed my claims on Sunday, got response by Monday, and got an email Tuesday saying my refund is in the mail!!! The customer reps are also very friendly and very accommodating. I hope they keep this up!
5

out of 5

POSTED: | BY: Ragan

Best of the best!

Making the decision to switch from my previous pet insurance to Embrace has been THE BEST decision I've made for my furry babies! Having twin Shepherds means double the expense on routine shots...opting for the wellness package was SUCH a smart choice! Instead of being out all the money at once, I pay the manageable premium each month and was reimbursed almost half of this round of shots and checkups. For any of you on the fence about health insurance for your dog...please don't delay...and please don't look anywhere else. The staff at Embrace are genuinely in this for the animals and you won't find that ANYWHERE else!!!
5

out of 5

POSTED: | BY: Marc R,

Excellent Support and Response

We had just signed up with Embrace when our puppy (Maltipoo) contracted an infection. While it took some time to get his paperwork over to Embrace due to mail and email issues, everyone at the company was fantastic to speak to and to work with. Embrace's followup was excellent (better than the followup with my 'human' medical insurance company) and the coverage provided was very fair. My wife and I have been very pleased by Embrace's care and support. We were with another pet insurance company for another dog who recently passed away, and we weren't happy with them. We did a lot of research before we signed up with Embrace and we are very pleased with our decision and the company. Embrace has been fantastic.
5

out of 5

POSTED: | BY: Deborah McCauley

Great turn around for payment

Received my payment within 2 weeks I have been very pleased with the service I have received
5

out of 5

POSTED: | BY: Jenn R

The right choice!

I researched several pet insurance companies before finally deciding on Embrace. I found their options and pricing to be very competetive, and if you take the time to read the fine print for all of the companies, you will find that Embrace definitely has the best overall coverage. After the loss of our oldest, and dearest, cat (and the thousands of dollars in emergency vet bills we paid before we lost him) we decided that pet insurance was the right choice for our new kitten. We did not ever want to have to worry about how we would pay for the care he needed if he got sick. So far, our kitten has been to the vet twice for illnesses, and both times Embrace approved the total amount for every covered expense. The Embrace staff has been very prompt in their responses to my claims, and they are always very professional and courteous in thier communications. I am very happy that I decided to choose Embrace, and I would recommend them 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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