Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,772

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: Rick Garcia

Great Personal and World Class Service

I am a first time Corgi Dad for two adorable Welsh Pembroke Corgis, My experience with the staff, via email and phone has been world class. They show interest on my puppies, their wellness, the follow up is amazing. I have referred and spoke highly of EMBRACE and even have their brochures in my office lobby. I will always be a fan!
5

out of 5

POSTED: | BY: Diane Anderson

A smart choice!

Our dog recently experience an unfortunate accident while out taking a walk. We suspected that he inhaled a foreign object or had broken off a stick in his nose. Bleeding, discomfort, and lots of unusual sneezing and nose twitching followed. Out vet upon examination recommended emergency care and possible surgery to remove the object. The cost just snowballed and quickly exceeded $3000.00 ($1500.00 for an MRI). Our experience with the Embrace claims process, was all and more than we expected when we researched and chose this insurance carrier. They were quick and efficient with good follow up. Because of our policy with Embrace we were able to recover most of the cost incurred. We have just renewed our policy, and the low annual premium and deductible is totally worth the expense.
5

out of 5

POSTED: | BY: Mary Rosenberg

Efficiency

Embrace lets me know when they receive my claim, tell me that they are working on it. Then I get an e-mail telling me what they found or ask for additional information. Then I get my payment followed by an e-mail aking me if I received the payment! the follow thru is amazing! Start to finish!
5

out of 5

POSTED: | BY: Erin

Prompt at getting money back!

I have been a customer of Embrace for a little over a year and have been very happy with the service. Not only are they very prompt with getting claims processed, but they have always found funds covered by my insurance! I'm so glad my dog is covered.
5

out of 5

POSTED: | BY: Mary Jo

Confidence and reassurance

Having this insurance has provided me with the peace of mind and confidence needed to totally enjoy my pets. I love doing things with my 3 goldendoodles and they go everywhere with me. I am very cautious about where they go and they are very well behaved, however, they are dogs and love to get into things. Knowing that if any of them would have an accident or medical problem gives me the confidence and reassurance to relax and enjoy them.
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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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