Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,380

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: Charlene Merrill

Claim adjusted within 24 hours!

We faxed the claim form in and the claim was settled the very next day - not even 24 hours later!! Best yet! Thanks so much for your continued fast and courteous service! Everyone at Embrace is the greatest. Highly recommend.
5

out of 5

POSTED: | BY: Terry &

Prompt and Courteous Service

Our Swiss Mountain Dog, Caly, was diagnosed with a likelihood of bone chips in her left elbow. Impossible to see, the only real way to determine the source of her lameness was surgery. Further the orthopedic surgeon recommended doing both sides because of the frequency to which this is a bilateral problem. The surgeons at Alpenglow offered a very fair price on the diagnostic of second elbow, and billed it as a seperate claim. The good folks at Embrace, without hesitation, included this billing in our claim, and promptly paid the 80% covered in our policy. Not only were they prompt and accurate in their handling of the claim, we have since received 2 inquiries from the Embrace staff as to Caly's recovery and condition. To us, this represents the manner in which our Embracers demonstrate their genuine concern for our pet.
5

out of 5

POSTED: | BY: Valarie (Beth)

Repeat Customer

In May 2009 we lost our beloved 13 year old Jack Russell. We then adopted two schnauzer mixes and decided we would try the insurance this go round. I did alot of research against the big names and finally chose this start up company because they were in Ohio and I wanted to support local businesses. I have been very pleased with the customer support and the quick turn around in processing claims. I will definiately continue to use Embrace Pet. I would not endorse a company in which I wasn't sure about their performance.
5

out of 5

POSTED: | BY: Lori Florin

Quality Customer Service & Timely Reimbursements

My 21mo. old dog recently had to have a significant amount of testing and blood work done to rule out some health problems. I was reassured to have my Embrace policy in place and be in the position to authorize the tests and better determine the cause of her health issues. During the process, I also received email updates from Embrace customer service reps as to the status of my pet's claim. I appreciated this and found it very helpful.
5

out of 5

POSTED: | BY: Dianne Temkin

Been a great company for us!

Our 2 year old golden retriever has had a few incidents this year (bee sting in the face, pneumonia in the summer, GI problems -all were handled timely and very fairly - we have been very satisfied and happy that we found Embrace for him as a new puppy(which we highly recommend doing!) Very good recommendation from a good friend!

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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