Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,490

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: Alexandra Beauvais

Service with a Smile

We have four labrador retrievers signed up with Embrace and we had to use it quiet a bit in the last few weeks. Between bulging discs, MRI, x-rays and a car accident we had our hands full with Vet visits and worries. Embrace made the whole process easy and worry free. The communication is prompt and always friendly, e-mails are answered promtply and the staff is always caring and concerned with the well being of our pack. We used other pet insurance prior to Embrace and they don't come close to the service Embrace offers. Thank you Embrace Staff! Four thumbs and 8 paws up!
5

out of 5

POSTED: | BY: Jennifer

We highly recommend this pet policy

Our first claim with Embrace was promptly paid as promised. Our small dog broke his leg while he was playing. We had to take him for emergency services to a large veterinary hospital specializing in orthopedics.It was necessary for him to undergo surgery for his leg repair. This was a costly procedure and Embrace paid as promised with the deductible and plan that we chose. We highly recommend this pet policy.
5

out of 5

POSTED: | BY: Dana and

Customer Service is absolutely INCREDIBLE!!

There's no ifs, ands, or buts about it, your customer service is the best I have dealt with by far. Your attentiveness is unlike any other company. I am a new client, signed on in October 2007, and you have been absolutely wonderful dealing with me and my first claim. You have given me the sense that you really care about my Brownie, and I so much appreciate that. Thank you so much for being a company that really cares about your clients, the animals, our pets, just like they were a part of your own family.
5

out of 5

POSTED: | BY: Charolotte Miskin

The best, best, best!

This company is the way i wish my own health insurance was. There is a wide range of coverages available, allowing people to choose what they want and need for their pet. Everything is very clearly explained. They cover much more than any other company that i have investigated. I have had several claims and they have all been handled expeditiously and exactly the way their policy states. I opted for a $200 deductible and 10% co-pay. I reccommend them to everyone i meet and to every veterinary clinic in my area. Buy this insurance...you won't be sorry.
5

out of 5

POSTED: | BY: Lillian Voigt

Great Communication with Owner

Embrance has kept me up to date with my pets insurance since I enrolled. The first time I filed a claim I was told when my vet faxed in my claim, and the following day I was told that Embrace needed my pets medical history and they contacted my vet to get it. Enbrace then notified me the day my vet faxed in my pets medical history so I would know that they received it. This keeps a pet owner from wondering if everything is going as it should. I don't have to worry when Embrace is around!
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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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