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.
1

out of 5

POSTED: | BY: Jonathan Lockwood

Claim Denial

I purchased this insurance on 8/31/2007 throught the reccomendation of my company. On 9/3/2007 one of my dogs had an accident an hurt his neck. The claim I submitted was denied as a pre existing condition. even though the policy was ineffect 9/3/2007.
5

out of 5

POSTED: | BY: Lisa McLean

Fantastic customer service and coverage

I spent many hours researching pet insurance companies and reading the reviews. I have purebred dogs that are often prone to hereditary conditions and didn't want a policy that wouldn't cover these. Every time I have called or had a question I've received a quick answer and professional service. I've had the founders answer e-mails late at night. Knowing chronic conditions and specialists are covered at good reimbursement rates is also important. I have puppies, a senior dog and a cat covered under my policy. This is a unique company and recommend highly it to everyone.
5

out of 5

POSTED: | BY: Rochelle Himes

Excellent, unsurpassed company!

After being disappointed by another Pet Insurance Company that we had used for years, I shopped and found Embrace. The people are wonderful and even answer e-mails on a Saturday! I am thrilled that they pay "customary charges" on a regional basis, and they are good business people, in that their caring shows. I feel good after corresponding with Embrace. My claims have all gone to my deductible so far, but I feel that Embrace is fair and reachable. I have told my Breeder to recommend Embrace and she has done so and I talk to pet owners all the time and recommend Embrace!
5

out of 5

POSTED: | BY: Zuzana Cermanova

My first claim experience is great

I had just recently filed my first claim with Embrace and it was handled fast and professionally. I received confirmation e-mail, that they received my claim and also received a summary and detail explanation on how the claim was handled. The representative was very friendly and helpful
5

out of 5

POSTED: | BY: Emily Byrum-Hecht

My first claims experience

I just received word that my first two claims were accepted toward my deductible. After many hours of researching the topic of pet insurance and pondering the cost vs. benefit, loopholes, etc. the Embrace staff answered every question and helped me to make this important decision. A word of caution to consumers! Do your homework, visit the Embrace website, and give them a call before chosing an insurance carrier and policy. I look forward to a long relationship with Embrace!
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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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