Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Donna

Submitting claims to Embrace is easy and quick!

I have only had to contact customer service a few times but whenever I did I got great service. Submitting claims is easy and fast, you always get a quick response.
5

out of 5

POSTED: | BY: Terri

I Love Embrace! — Fantastic Product and Support

Our agile and very active Australian Shepherd, Ripley, has been "Embraced" since the day she came home with us almost 4 years ago. A recent orthopedic injury reinforced why getting Embrace was the right choice for us. Ripley began limping and favoring he left foreleg back in November. Two visits to her local veterinarian for exam and x-rays did not reveal any injury causing the limp. Both these visits were covered. The real value of Ripley having a policy was when we were referred to a specialist because her limp did not go away with anti-inflammatory meds and limiting her activity. The Orthopedic veterinary specialist at the Small Animal Hospital at Auburn University performed an ultrasound and diagnosed our girl with a 50% tear of the tendon connecting the bicep muscle to the shoulder joint. He prescribed a regimen of anti-inflammatory and pain meds with very limited activity. We have since been for two follow-up visits to monitor her progress and healing. We were very happy to learn at our last visit Ripley will not be needing surgery. Throughout multiple visits to our local vet and the specialist at Auburn, plus number of prescriptions, Embrace covered us every step of the way. We never had to question taking her for a visit or whether we could afford to see a specialist. Every claim we've submitted over the past 4 months has been processed and paid promptly. The website is simple to navigate and submitting claims is easy with step-by-step prompts. The emails we get regarding our claims are in terms real people can understand and definitive have the human touch. We could not be happier with the product and services! We'll continue to be loyal "Embracers" and advocates of your pet insurance.
5

out of 5

POSTED: | BY: Taia

Outstanding service from beginning to end.

Dan F and the team at Embrace has done an outstanding job in making Mikey's claim as easy as possible from pre-certification to payment of claim. Everything was done in a timely manner and fully explained to me. So happy I made the choice of Embrace and wish I'd done it sooner.
5

out of 5

POSTED: | BY: Lauren

I’m very disappointed in the customer service as I have called 3-4 times about a claim from October 2018

I’m not happy with a claim that has been on hold since October. Spoke to the vet multiple times and customer service 2-3 times and was told it was being processed. Still waiting.
5

out of 5

POSTED: | BY: Lisa

Embrace has always been wonderful to deal with, in every aspect.

Extremely happy with Embrace. Customer service is great. Filing claims is easy and Embrace responds very quickly.

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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