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: Bobbi Herrington

Value-added Service

As a policy holder since July 2007, I continue to be pleased with the insurance product through Embrace. In addition, their customer service is outstanding! They take a personal interest in you and your pet and make me feel that my interests are their concern. Great company, great product, great service! Well worth the affordable premium!
5

out of 5

POSTED: | BY: Jason P.

First experience...Wonderful!

I have two dogs and both have been covered under Embrace since last September. Near the end of January one of my pups suffered a laceration on his rear left leg that required surgery and stitches. So this was my first time putting Embrace to the test and I am very satisfied! I sent Embrace my claim forms two days ago and they've already received it, processed it, e-mailed me an Explanation of Benefits showing what they did and didn't cover (as well as how much coverage I have left), and cut me a check! Amazingly fast! How can you not be happy with that?! I highly recommend them!
5

out of 5

POSTED: | BY: Robert Lerner

Response

Subject: RE: Robert Lerner Embrace Claim Explanation of Benefits EPI:0100098Laura, I want to thank you for your prompt action on Oskar’s claim. I have used other insurance companies in the past and they have both more expensive and less responsive. I have only been a client for a few months and I realize you have lost money on our relationship but that has not stopped you from prompt, satisfactory responses. Thank you for your good service. FYI, my Vet, Hometown Animal Hospital has asked me about your company. They had previously had been recommending another company but I related my satisfaction with Embrace and I believe that they might switch to Embrace.
1

out of 5

POSTED: | BY: EG

Terrible First Experience

My dog was diagnosed with 5 lipomas on left leg and chest and prolapsed 3rd gland. I went with Embrace as they were supposed to cover hereditary conditions for specific breeds. But they refused to cover any of the surgery cost or the consultation before the surgery. I am very disappointed. Also took them over a month to respond to me on the claims.
5

out of 5

POSTED: | BY: Amelia Nugent

Excellent Customer Service

When we adopted a second dog, my husband & I decided it was time to consider pet insurance. I spent a month researching different plans & companies, and Embrace looked like the best choice. I have been completely satisfied with their customer service, handling of claims, and flexibility of coverage. Thanks for all the help!
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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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