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.
5

out of 5

POSTED: | BY: Matt Rich

Could not have selected a better company!

To keep it short, I have had 12K in medical bill in the past 12 month and almost 4K were covered. The other was only not covered because the injusry occured before the insurance started. They are efficient, VERY FAIR and extremely friendly - Thanks so much!!
5

out of 5

POSTED: | BY: Allison Calvello

Easy to deal with and quick to send payment

I decided to take out pet insurance on our new rescue puppy. We have had him 4 months and he managed to cut himself severely resulting in an emergency vet visit and surgery. I sent in the claim form and the bill and Embrace quickly reimbursed us for the amount that they said they would. They were very professional and courteous and I would recommend them to any pet owner.
5

out of 5

POSTED: | BY: A Mavrikakis

Excellent

I never thought I'd find myself taking the time to write this but Embrace thoroughly deserves the effort. My dog has had a number of claims over the past 2 years. On every occasion Embrace has very efficiently, speedily and helpfully answered my questions, processed the claims and paid the money. I cannot recommend them enough.
5

out of 5

POSTED: | BY: Barbara

Best Staff and Best Care for your Pets!!!!!

I just Started with Embrace and let me tell you they truly are the Best!! My Rufus a wiennie dog has never been sick in his life of 4 years and then on Christmas Eve 2009 there I was at the Vet's. and they covered the claim but then in January 2010 he had a broken tooth and I was in hospital also.So let me tell you Kate is the Best that Embrace has she is so caring and really concerned for "All"the pets. People let me tell you I called Embrace to tell them what was going on and Kate answered the phone and like always very caring and very concerened for my Rufus I was in tears and Kate helped me relax and she was very caring and she was very concerned for my Pet. Trust me Kate has a "Big Heart" and is there to help people with their claims and yes to just give a loving ear to those in need....God Bless Her. Kate has gone over and beyond to help Me. And Kate does a very Excellent Job. Now for Carrie, She has handled my claims and has been Excellent in this and has done all this while I was in the hospital.She has sent the Vet all the forms they need to fax over to handle the claims while I was in the Hospital. And Best of all do get the direct deposit for your reimbursement on claims as it is fast and goes straight to your bank account without any fuss.......No waitting for it to be mailed to you...God that is a Blessing. It was credited back to my bank account in just 1 day. By far this is the" Best Pet Insurance" So buy this for your Loved Pets as We all Value or Beloved pets and want the Best care for them. And Embrace will help with those Vet Bills. And getting them insured by Embrace Insurance is the Best. Because you never know what is going to happen to them. Trust me I have been through it with my Rufus. Thanks for reading, Barbara in Texas
5

out of 5

POSTED: | BY: L. McCarthy

compassionate, prompt, friendly service

I have used Embrace Pet I nsurance for 2 years now for my cherished toy poodle, Trixie. I have not had any other insurance and will only use Embrace. They are always available and have super quick responses, claims and refunds. The staff are the most genuine,compassionate and warm people that I have come across. They have ny highest regard

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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