Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,172

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: PHYLLIS

SO FAR NOT TO HAPPY

I AM MOST UNHAPPY WITH YOUR DENIAL OF MY CLAIM.MY MALTESE WAS RUNNING A FENSE LINE WITH MY TWO GERMAN SHEPERDS AND WAS BITTEN IN THE BUT.i DONT BELEIVE THERE WAS A DOG FIGHT. I WOULD OF HEARD A DOG FIGHT. THERE WAS ONE YELP AND THE MALTEESE CAN INTO THE GARAGE AND STOOD BY THE DOOR. I DID NOT WITNESS ANY THING THAT ACTUALLY HAPPENED. THESE DOGS ARE TOGETHER DAY AND NIGHT AND THIS IS THE ONE AND ONLY INJURY MY MALTESSE HAS RECEIVED. I THINK HE WAS JUST IN THE WAY AND GOT GRABBED IN THE BUT. HE WEIGHT 6 LBS MY SHEPERD WEIGHTS WEIGHS 100LBS. THERE WAS NO FIGHT OR MY 6 LBS MALTEESE WOULD NO BE AROUND
5

out of 5

POSTED: | BY: Carole Melis

Prompt, professional, helpful

We are now into our second year of insurance from Embrace for our labrador retriever mix, and could not be more pleased. We have had two occasions to date to make claims and both times the response has been prompt, professional and personal. This is our first time using pet insurance, but it's hard to imagine any better service.
5

out of 5

POSTED: | BY: Joel

Exceptional Customer Service

My vet recommended Embrace for our new dog and I'm happy that I took her advice. Our first interaction with the company resulted in a super-fast turnaround of our wellness claim, along with quick processing of our dog's orthepedic waiting period waiver. I received a prompt, personal email that both were received by the company and were being worked on. Then I got a follow-up checking to see that I got my check! Just great work. Keep it up!
5

out of 5

POSTED: | BY: Cindee Dickens

Highly Recommend Embrace

I have never had health insurance for my pets before. A few years ago my Frisbee had a torn cruciate ligament, needed surgery and I was completely broke at that time. $2,500 was way out of my league financially, but I managed through an online website to raise enough donations to pay for the surgery. After that, I knew I needed insurance for my dogs so I would not have to go through that again. I researched many insurance companies and they all pretty much said the same thing, there were breed specific exclusions and things like that that did not make much sense to me. Then I found Embrace with no exclusions except routine care. That made sense to me and I bought it. Almost two years later Frisbee came down with cancer and Embrace has been behind me all the way. They reimburse payments within 15 days as they said they would and it is even automatically deposited into my checking account. Through this tough time Embrace and their representatives have been wonderful. I highly recommend Embrace to everyone who asks and lately that has been many people because of all the quality care I have been getting for Frisbee everyone wants to know how I am paying for it, since I am on disability and all. I am glad I did not cancel my policies last summer when I was trimming down my budget, this was the next thing to go and I kept it. Thank God and thank Embrace and thier representatives.
5

out of 5

POSTED: | BY: Carmen Coombs

Fantastic!

My 3 year old golden retriever had a bowel obstruction after eating some type of foreign body. She needed a laparotomy, and it was so nice to be able to ensure she got the surgery and care she required without having to worry about taking on such a huge financial burden. It was incredibly easy to get reimbursed my Embrace for her care. It took me less than 1 minute to fill out my part of the paperwork and took the vet 1-2 minutes to do her part. I received my reimbursement within a week with no hassles. As a physician, I only wish it was this easy to deal with people insurance! Thank you Embrace!

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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