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: Jeanne Duncan

great service, nice people

Less than a month ago, my dog had to have six teeth extracted -- and I've already received a check from Embrace! Everything went smoothly, I was contacted quickly when more information was needed, and everyone I dealt with was super-nice and helpful. It's the first time I've made a claim and I'm really pleased -- thanks!
5

out of 5

POSTED: | BY: Lee Marcussen

Outstanding customer service and fast payment .

I have 3 wonderful cats. I have found Embrace to be absolutely wonderful. They explain the policy very well and covered the services for my 1 year old cat. When you set up direct deposit with them, you simply have your claim paid and the funds deposited into your account. They let me know they received the claim the day they received it and processed the claim within 24 hours stating I should have my payment within 5 days. Now that is service. I highly recommend Embrace for any pet owner. I rate them a 20 out of a top of 10!
2

out of 5

POSTED: | BY: Mel

Would not recommend

We bought this insurance last year when we brought our new puppy home. They initially covered his shots and one other claim. Embrace had no problems taking our monthly fee, but when we file claims...they found any excuse NOT to pay them. We are NOT happy with Embrace!!! We'll be going with another insurance company.
5

out of 5

POSTED: | BY: B. Land

Humbled and Grateful!!!

My Ginger is an American White Shepherd. She is beautiful and she simply is my bud. I have AIDS and am disabled and when I got her I new that emergncies would come up. There are wonderful services for people who have disabilities, but they have limits and income barriers in which I do not qualify for... Finding Embrace Pet Insurance has been like the X factor that has corrected a ship in allowing me to know what ever it is that needs to be done, that I can just do it. I don't have to hesitate or put my Ginger through pro-longed waits, waiting for approval and so on... Ginger has kept me engaged in life and I am grateful that I found an insurance company that realizes the stress's of having a sick family member. Embrace has been wonderful from the very beginning, I needed the insurance this year for the first time. And, I am so grateful that I took out the insurance to take care of her... The review of the claims submitted were promptly handled and someone was always able to provide me with a status. I am so blessed and full of gratitude for Embrace Pet Insurance, doesn't the title say it all, and its' TRUE!!!
5

out of 5

POSTED: | BY: Michele D.

Quick claim reimbursement for Wellness Visit

Shortly after I enrolled in the plan, it was time for my dog's wellness exam. I received accurate information when I called to ask about required paperwork and my reimbursement was processed and received in about 10 days! The part that impressed my was the emails from the EMBRACE claim reps that kept me apprised of receipt of my claim and the time frame when it would be received. SO far so good!!

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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