Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,679

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.
4

out of 5

POSTED: | BY: Mary Varble

Good company

I get the feeling they are a little disorganized but, overall, I am like this company. Their staff seem very concerned and willing to help.
5

out of 5

POSTED: | BY: Vicky Whitney

Love Embrace!

Not reading my policies (we have 5 dogs covered with Embrace), I recently submitted a huge bill for our oldest going back almost a year for five surgeries and alot of rehabilitative therapy (about $15,000 worth). While I was very nicely informed that I should submit claims within 60 days of incurring the costs (I'm sorry! I'll do that in the future), Embrace very quickly reviewed the expenses and reimbursed $5,000, the maximum on the accident policy for this dog. While I had hoped for more, this is exactly what was allowed (again, I had neglected to read the policy), and it was paid promptly with no hassle. And it came with personal notes from two Embrace employees, asking how my dog was doing, expressing genuine concern. I doubt any other pet insurance company could do as much as Embrace does!!!
5

out of 5

POSTED: | BY: HELEN RITTER

EMBRACE IS EXACTLY WHAT IT'S NAME IS ALL ABOUT.

YOUR COMPANY DOES EXACTLY WHAT THE NAME IS ALL ABOUT. IT EMBRACES YOU WITH LISTENING TO THE CUSTOMERS BY TREATING EACH ONE WITH THE CARING, COMPASIONATE, AND UNDERSTANDING THAT WE NEED. I AM 67 AND RECENTLY SENT IN MY LITTLE GIRL'S MEDICAL BILLS THAT I HAD NOT TAKEN CARE OF FOR SOME TIME BECAUSE I WAS GOING THROUGH BREAST CANCER TREATMENT. THE GIRLS I SPOKE TO ABOUT IT ADVISED ME AND WERE VERY HELPFUL AND SUPPORTIVE TO ME. I CAN'T BEGIN TO TELL YOU HOW THANKFUL I TRULY AM AND HOW MUCH I APPRECIATED THEIR HELP. I WILL BE MORE THAN HAPPY TO TELL EVERYONE ABOUT HOW WONDERFUL YOUR COMPANY IS AND THE FANTASTIC CUSTOMER SERVICE I HAVE RECEIVED EACH TIME I SPEAK WITH YOU. THANK YOU AND GOD BLESS YOU ALL!!!!!! MORE THAN SATISFIED.......HELEN
5

out of 5

POSTED: | BY: Dorothy Jane

I love the Wellness Program!

My almost two year old Coton de Tulear puppy is a very healthy breed and I want to make sure she stays healthy so the Wellness Program is perfect for me. Because of this program, I am able to afford all of her required shots and preventive treatments such as heartworm, flea and tick prevention meds. It works like a "health savings account".My pup is healthy, happy, and always gets the best of care. The forms are easy to file by my vet and the reimbursements are quick usually within 2 weeks. My pup did have one clain when she developed a limp due to a pulled muscle. It was handled quickly and of course will apply to the deductible which was in the amount that I chose. You can basically design your own policy, which is great since everyone's needs and bugets are different.
5

out of 5

POSTED: | BY: Jennier

Having Pet Insurance Helps

I bought pet insurance when I bought my Beagle puppy Reese's. I already had a cat, Jango, but did not invest in insurance with him. I wish I had insurance with Jango as he was diagnosed with asthma two years after I got him. I learned from that mistake and got insurance. I recently discovered a spot on Reese's ear that was bleeding and another spot on one of her paws. It turned out to be a benign cyst. I wasn't sure if this was covered by my insurance. I submitted a claim and received an email that I would be receiving a refund. I wasn't anticipating a refund, but it was nice to see the check when it arrived. I always though pet insurance was unnecessary, but I definitely realize just how important it is.

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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