Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,949

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: N. Burger

Awesome Company!

After knowing people who had major medical expenses for their pets, I researched pet insurance companies at the same time I was researching breeders. Fortunatley, I found this website and Embrace Pet Insurance. I have had my labrador retreiver insured with Embrace since I brought her home from the breeder. Unfortunately, my lab hurt her knee and needed surgery and rehab. Fortunately, I have Embrace Pet Insurance. Every time I have had any contact with Embrace, it has been extremely professional, helpful, friendly, and caring. I receive an email when my claims have been received and when it has been processed. All claims have been promptly addressed and when I have called them, the reps are wonderful. I tell everyone about how happy I am that I chose Embrace to insure my lab and I highly recommend them to everyone who asks about pet insurance - which is pretty much everyone when they find out what happened to my dog because it could happen to anyone's dog.
5

out of 5

POSTED: | BY: M. Sloam

Excellent .

This was my first claim on my first policy with Embrace.Customer service was excellent--I faxed in my claim form and promptly received an email confirmation. The claim was processed quickly and reimbursement was completely fair. The policy is readable and reimbursement is based on regional costs. I have just renewed my policy for another year.
5

out of 5

POSTED: | BY: Vicky L

Good policy, reasonable rates, excellent service

Flexible options for what I want to cover at reasonable rates for our four Bernese Mountain Dogs. Have submitted three claims in the two years I've had the policies, and they have been processed quickly and accurately with no surprises. Embrace personnel have been extremely friendly and helpful at every stage. I'm extremely satisfied and highly recommend Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Angela

Embrace Rocks!

I have only been with Embrace for 6 months, but in that short time, the company has only impressed me. They are professional, friendly, helpful and prompt with all contacts. Recently, I had to contact them directly regarding a bill, and the whole concern was resolved within a few hours. How often does that happen? I recommended this company to anyone who is interested in straight-forward, detailed and fair pet insurance coverage.
5

out of 5

POSTED: | BY: Silvia Giorgini-Althoen

Promptness and Efficiency

I had this insurance for 3 years and recommended to at least 10 people, but I had never filed a claim until last Tuesday and the claim has been already processed and the refund in the mail! I am truly impressed! I am very happy Embrace has started the Wellness Reward Program! Keep the good job and KUDOS to all the fantastic personnel that really take the extra time to find your answers!
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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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