Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Benjamin K.

Neuter

I've had no problem getting claims done for a wellness visit to set him up for the neuter and the surgery itself. Staff communicates clearly and has answered my questions when I called them to clarify an issue with my policy.
5

out of 5

POSTED: | BY: Carolyn B.

I am so grateful I chose Embrace.

When we brought Suzy, our Boston Terrier, home a little over a year ago, I decided to research pet insurance. After studying and comparing companies, I decided Embrace was the one for Suzy. I am so thankful that I made this decision!! Like everyone else, I'm sure, I purchased the insurance never dreaming that we would have to use it during the first year. Unfortunately, Suzy has had to have surgery on both hindlegs due to luxated patellas and a ruptured cruciate ligament. When I found out that Suzy needed the first surgery, I called and spoke to a customer service representative who really put my mind at ease and explained how the claims process works. I was so happy with the speed in which the claims were processed and paid. And in addition, I received follow-up emails to be sure I'd been paid and to check on Suzy's progress. With Embrace you feel like you are part of a family that really cares about your pet. Each and every Embrace employee that I have spoken to has been kind and caring. I feel very fortunate to have this coverage for Suzy. I highly recommend Embrace.
5

out of 5

POSTED: | BY: K. RICHEY

GREAT PET INSURANCE COMPANY

I 1ST GOT INSURANCE FOR OUR DOG OVER 9 YEARS AGO AND HE HAS SINCE PASSED BUT I KEEP THE POLICY FOR OUR NEW DOG AND NOW NEW PUPPY.I DID ALOT OF INVESTIGATING BEFORE I BOUGHT AND WAS TRULY AMAZED WHAT OTHER COMPANIES WILL AND WILL NOT COVER DUE TO A DOG BREED. THAT IS WHY I WANTED PET INSURANCE. AS WE ALL KNOW PUREBRED DOGS CAN COME WITH ALOT OF PREDISPOSED ISSUES AS WELL AS OTHER HEALTH ISSUES THAT CAN OCCUR. I DID NOT NEED INSURANCE FOR SHOTS AND SUCH ITEMS, I NEEDED IT FOR WHEN THE BIG ILLNESS, ACCIDENTS COMES ALONG. I HAVE NEVER BEEN DIS-SATISFIED WITH THIS COMPANY EVER. THEY ANSWER ALL MY QUESTIONS AND CONCERNS AND WOW WHAT A GREAT COMFORT IT IS TO KNOW I HAVE THIS FOR MY PETS BECAUSE I THINK IF THERE IS A DOG THAT WILL HAVE AN ISSUES WITH SOMETHING I WILL OWN IT.
5

out of 5

POSTED: | BY: Amanda

Very Thankful for Embrace!!!

We've had Embrace coverage for 3 years, since we got our pup Arya at 3 months old. She's been pretty healthy, but recently began having unexplained accidents and some other worrying symptoms. Though I was expecting submitting our claims to be a frustrating experience, I have been incredibly surprised and impressed by my experience with Embrace. From assistance updating our mailing address after a move, to quickly processing claims and remitting payment (less than 2 weeks from when we submitted our claims until a check arrived) customer service with Embrace has been stellar. I didn't even realize our deductible was lowered by $100 thanks to the 2 years Arya wasn't having any major problems/claims. Very appreciative for the assistance during a stressful time (Arya's doing much better!)
5

out of 5

POSTED: | BY: Vikas Kotian

Very satisfied with the experience

We are first time puppy owners and decided to play it safe by getting pet insurance. Having gone through all competitors in the market, we went with EMBRACE considering that the better coverage and the rave reviews we came across on various websites. I must say this was one of my best decisions of 2015 other than deciding to adopt a puppy. At EMBRACE, the staff is extremely professional and courteous; reimbursements are timely and quick; coverage is very good. I have had multiple vet visits in the past 1 year baby and it is very reassuring to know that EMBRACE is backing you. Vet visits can be really expensive and I am glad that I do not have to think twice before doing what is good for my puppy. Special thanks to the staff who make it happen..each time

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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