Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,940

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: Gina

Embrace Pet Insurance Representatives Rank High!

I have had a policy with Embrace for about 3 years.I have rarely used it, due to the good health of my Lab. About a year or so ago, she developed cataracts and became permanently blind, due to other complications. My vet told me that we needed to watch for the onset of glaucoma, which can be extremely painful for dogs. Unfortunately, this happened and I had to take immediate action to stop the pain. It all happened quickly, and I never hesitated to get her the surgery that she needed. The veterinary hospital placed the call to Embrace and handled the necessary billing, vie faxes. I called Embrace when things slowed down, and spoke to a wonderful lady who was both sympathetic and helpful. Embrace's compassion and promptness made a rough period much easier. My claim was handled both professionally and quickly! I have recommended Embrace to two other people, since her surgery. I am a very satisfied customer!
5

out of 5

POSTED: | BY: Heather

Excellent service when you need it

It was great to find Embrace was there when we needed them 6 years after our initial sign-up. Our bulldog has spoiled us with healthy check-ups and no issues, until he needed emergency surgery for swallowing our daughters pacifiers. I received an immediate follow up once I submitted the claim, there were no additional questions - they went straight to reimbursing and explaining our benefits. We recieved excellent customer service and would highly recommend Embrace to any pet owner shopping the market!
1

out of 5

POSTED: | BY: Barbara

Don't buy insurance from Embrace

I took my dog to the vet almost 5 weeks ago. His medical records were sent to Embrace soon after. It has been 4 weeks since they sent me an email saying they received his medical records and were processing my claim. I have had Pet Plan in the past and experienced much better service and processing time. I would not recommend Embrace.
5

out of 5

POSTED: | BY: Janet

Great Service, High Quality Company!

I have been with Embrace for about 6 years and am completely satisfied with their excellent service. I have 2 dogs and have had some high bills for each. Embrace either pays 80 or 90% (depending on what type of insurance you've selected)of all the bills promptly. I love that I can go to any vet of my choosing. I have had no problems with Embrace, only high quality service. I will be continuing with Embrace for as long as I own dogs. I like that you can customize your plan, that's a nice feature. Feels good to have peace of mind with a great insurance company.
5

out of 5

POSTED: | BY: Susan

Love it!

I am so glad we bought this when we brought home our puppy, Fili. He is a mischievous little thing, and the insurance has saved us! Thank you.
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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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