Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,219

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: 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!
5

out of 5

POSTED: | BY: Harold F.

Review

I have only filed one claim to satisfy part of the annual deductible, but I would definitely recommed Embrace. The premium is very reasonable and the staff is outstanding.
5

out of 5

POSTED: | BY: Amanda

Friendly , Caring & Quick

First claim was quick after they received all the information they needed.They were extremely friendly and caring. Better service than my personal health insurance!!
5

out of 5

POSTED: | BY: Cindy Rubin

First claim experience was great

I was looking for an insurance company and policy that was easy to understand and small enough for personal service.I decided to give Embrace a chance. Within a few months of starting my policy, Mugsy had to undergo heart testing-EKG, holter monitor and the works. I didn't think it would be covered but one phone call to Embrace guided me through the process. Because he had no history of heart problems, all his tests were covered. Within a few weeks of submission, I had an E-mail telling me that my check was in the mail. Thank you Embrace! I will definitely recommend you to my friends.
5

out of 5

POSTED: | BY: Linda Pagan

Excellent Pet Insurance with Outstanding Service

I had purchased Embrace pet insurance for about 6 months and was a bit nervouse with my first claim due to the circumstances. I had an 11 month labrador retriever that became very ill vomiting and with a fever. I had taken him to the Veterinary where they had a cat scan on him and found out they would have to do "Emergency Surgery". For the next 2 days I was on the telephone with Embrace staff and I have to say they were outstanding in customer service, compassionate with me throughout the entire time, especially "Christine". Unfortunately my puppy had to be put to sleep. The staff helped me with filling out the claim and in less than 10 days as they had mentioned, a check was mailed to me. Embrace reimbursed me for almost the entire surgery, which ran over $5,000. When I get another labrador retriever I will definitely use Embrace again, it is worth the extra money. I have used other pet insurance companies but they just pay minimal regular doctor visits.

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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