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.
3

out of 5

POSTED: | BY: Judy

Some good...some bad

I am glad to say that you finally have my email address correct so that you don't have to send them to my phone. Please do not send them to my phone...ONLY to my email which is heyjude12541@aol.com. However I still cannot get in with my user name which is: Judy Gustafson and the error message keep coming up even now after speaking with your representatives several times on Tues. Nov 6, 2015. I was so upset yesterday...sorry. I will see when my check comes, how happy I am. Thank you, JUDY GUSTAFSON/Judy Gustafson
1

out of 5

POSTED: | BY: Peggy

Really poor underwriter

The underwriter on this claim closed the claim out without asking for an itemized bill so she could pay the correct amount. I contacted her because I knew it should be covered and she said she did not have an itemized bill so she closed the claim without ever co tacking mee. I asked to speak to a superviser and she said she gave my name to the superviser. I have never been contacted. I have a policy with five dogs. I would think someone would take care of this. I am looking for a new insurer.
5

out of 5

POSTED: | BY: Debbie

Just what they promised, plus good customer servic

We have had Embrace coverage on our two dogs for 4+ years now; the dogs are young and healthy but do get into trouble now and then. Embrace covers all they say they will, plus has prompt claim resolution and excellent customer service.
5

out of 5

POSTED: | BY: Dinah

Excellent Service !

My one year old kitty, Malee has had a few minor issues since rescuing, the last was hot spots, probably from seasonal allergies when going outdoors for her daily supervised time. Embrace was quick to evaluate and pay the 80% to my account within a week. The last visit was to a holistic Veterinarian, which I like to use as much as possible, avoiding prescription drugs and using natural treatment. I love that Embrace covers this without any limits, just like conventional coverage, which I also use when necessary. I am so glad that I chose Embrace for my beloved fur baby !
5

out of 5

POSTED: | BY: Kevin

Claims made easy

I have filed three separate claims within the last two months. My experience could not have been better.
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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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