Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: Joyce

Thank You for your Wonderful Service

I want to thank each and everyone of you at Embrace Pet Insurance. I have had my dog and 2 cats insured through Embrace for several years and up until recently, I have been lucky to not have to submit a claim. Unfortunately, my kitty, Smokey, began losing weight. He was very sick and I was taking him to the Vet and after much testing, they found he had Triaditis and Cancer of the Intestines. Needless to say, it was expensive and had it not been for Embrace, I could not have given my kitty extra time and comfort before I had to send him to the Rainbow Bridge. Embrace made it so easy to submit claim forms for each Vet visit, each test, all the medication poor Smokey was on. They processed the claims efficiently and quickly. They approved everything that was covered under the policy I chose and the checks were in my hands so I could continue to try to help my kitty. Smokey was the sweetest, kindest cat I have ever known. I miss him so much. After I let Embrace know that Smokey had past, I received a beautiful sympathy card from them. The employees wrote individual messages to me and I can't tell you how wonderful that made me feel. They cared and they treated me with the upmost respect during this horrible time. I cannot encourage you enough to get Embrace Pet Insurance for you beloved fur kids. This is an A+ company and compassionate too.
5

out of 5

POSTED: | BY: Linda

Excellent

I have 2 dogs covered from embrace
5

out of 5

POSTED: | BY: L

Always prompt in reviewing a claim

I really like Embrace pet insurance. Staff are always professional and helpful when calling. Claims are promptly handled. Highly recommend embrace
5

out of 5

POSTED: | BY: kirsten

fast and hassle free

first claim made and it could not have been easier. left paper with vet and they filled it out, faxed it to them. got emails keeping me up to date on the status. got the check within 2 weeks i believe.
5

out of 5

POSTED: | BY: Cathy

Thank you

With five dogs in our family, it was important to have insurance for their medical care. Embrace has helped us financially on many occasions to date. We’ve been through tracheostomies, Cushing, gastric foreign body removal, lymphadenopathy, frontal lobe tumor, bladder stone removal and now pheochromocytoma. As we lose our beloved pets, we rescue yet another. And the newbie is immediately added to our policy. We have a dog sitting business (The Irish Sitters, LLC) and a huge clientele. There is never a day that we don’t tell our clients about Embrace. Y’all have pulled us through some very hard times and we appreciate the service you offer. 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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