Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,243

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: Steven C

Trustworthy Friendly and Transparent

Embrace offers uncomplicated, carefully explained, simple to understand pet insurance. It delivers what it offers with the added component of a very friendly, knowledgeable phone staff. All claims quickly addressed for about 4 or 5 years now. Just sorry I didn't know about Embrace sooner.
5

out of 5

POSTED: | BY: Steve Countryman

Great Customer Service

I recently enrolled our two Silky "Terrorists" in Embrace's Wellness and Accident/Illness Plans after my previous insurer (Purina) exited the business. I found the enrollment process to be straight forward and easy and the communication with Embrace to be excellent. Subsequently, I took advantage of the Wellness Plan to have both dogs' teeth cleaned and was delighted to receive full reimbursement with 10 days of submitting my claim. I have been impressed by the efficiency of the claim submittal and review process, and the personal touch that the "Embracer's" extend in communicating with clients. Virtually all business is conducted electronically and Embrace really emphasizes keeping the client up to date on the status of claims. I purchased a high deductible policy to protect against the expense of catastrophic injury or illness, and I hope I never need the coverage. If, however, I do need it, my experience with Embrace thus far would suggest that the company will fair and responsive. The monthly e-mail news letter is also a great feature which I share with friends. Embrace, keep up the good work and try to maintain a personal touch as your business grows, as I believe it will.
5

out of 5

POSTED: | BY: Chris Babich

Got a reply 4 days after claim was submitted

Claim reps are very polite, helpful, and professional.
5

out of 5

POSTED: | BY: Jill Grossbard

Embrace Pet Insurance

I have been carrying Embrace Pet Insurance for the past 3 years and I am very happy with their coverage and service. I have 4 animals -- the 2 younger ones are with Embrace. The 2 older ones were insured when they were young with a pet insurance company that was "the only game in town" at the time. I regularly have to call the old company as they deny a lot of claims. It almost appears that if it's not laid out to them very clearly and they are confused, they will opt to deny rather than find out more information. I have never had this problem with Embrace. They have been exceptionally good in handling any claims that I have sent to them.
5

out of 5

POSTED: | BY: Ginny

Excellent

This is my fourth year with EMBRACE. I did not find the wellness worth the money. However with one of my Westieshaving Addison's disease, it is definitely very good. I've not had any trouble with claims.

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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