Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,183

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: Annie

Very Satisfied!

We got our 2 year old Boston Terrier insured in December. She got very sick once in January, and twice in February, one of those times even resulting in a very expensive 2 night hospital stay. Not only was Embrace very quick about getting our claims resolved once we filed, but we were VERY happy to find that $700 of the $1,000 hospital stay was covered after just 2 months of paying insurance premiums! And the attentiveness of the Embrace staff also made the whole process painless. We are very satisfied!
5

out of 5

POSTED: | BY: M. Weinsstein

a very good pet insurance-I'd recommend it

This was the first claim I have sent in to Embrace for my cat. I faxed everything that was supposed to be included, thus the claim was processed very fast. I had spent several hours on line to find the kind of cat pet insurance which would be most beneficial and cost effective. I think I picked very well. Thanks Embrace.
5

out of 5

POSTED: | BY: Es and

Outstanding Communication and Service

We enrolled Mikko our Siberian Husky in September 2009. He subsequently had a couple of occurences that required treatment. We were very impressed with the manner in which Embrace handled the claims that were submitted. The communication was excellent and everything was processed in a timely manner. The representatives were very congenial and professional and answered all our questions. We highly recommend Embrace to our friends, relatives and acquaintances.
5

out of 5

POSTED: | BY: Jeff and

WOULD NEVER DO WITHOUT IT

Having pet insurance with Embrace has been our first experience with pet insurance. We never bothered getting pet insurance for our previous dog because we thought it would be more hassle than it was worth and that coverage would be severely limited. We are so happy to say that we were wrong in that assumption and are more than pleased with the coverage, the ease of filing claims, and the prompt response/payments from Embrace. They are a pleasure to deal with. We will never do without pet insurance again and highly recommend Embrace to anyone considering the same!
5

out of 5

POSTED: | BY: Mark Taplar

Fast, Efficient and Accurate Processing

The claim for the office visit and treatment of my dog were handled very quickly and accurately. I added a wellness option and the check from Embrace was received one week after the claim was submitted. The illnes portion of the claim was also well catagorized for use against my deductible. The team at Embrace was very easy to reach and extremely helpful.This is the only pet insurance policy I have run across that has plans similar in structure to those written for humans.
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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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