Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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: Chris

Thank you Embrace for being there again!

Well, it happened again Emgrace and you were there to help pick up the pieces. This time it was Jessie the cat, he had swallowed a foreign object which meant another major surgery. Thank God the surgery went well and he's healed back to being a lovable pest! His sister Kimmie is happy to see her brother back to a certain extent and knowing that they can compare who has the biggest scar! Your response was very quick after I faxed over the claims and there were plenty. I appreciate your quick reponse and the first check was received a a few days later as well as the next check. Customer service was excellent and couldn't ask for more. Thank you very much for being there Embrace as you've always have. Sorry it took so long for me to write a review. Laura you have a great company and team keep up the great work. Thanks again! Sincerely, The Morales Family
5

out of 5

POSTED: | BY: Kathleen

Overall pleased with Embrace.

I have found that my claims are reviewed in a decent amount of time after submitting via e-mail. It is also great to have payments directly deposited into my checking account.
5

out of 5

POSTED: | BY: Avizia

Great, fast service

I am very pleased with Embrace insurance. Completing the claim is very painless (on the part of Embrace, that is) and a representative gets right to work on it by the next business day.
5

out of 5

POSTED: | BY: Meredith

Great experience so far!

Embrace has a friendly staff and a great response time on claims so far! We have a large dog that finds himself at the vet frequently, and the Embrace claim process is very painless and seems to have been the right decision for us. I'm relieved that I signed up.
5

out of 5

POSTED: | BY: Donna

Rescue puppies are secure and covered

When I rescued two little puppies from Missouri, I knew there may be health issues to deal with. I am so happy that I found embrace health care. They are now 10 months old and I have put in a few claims already. The folks at embrace couldn't be nicer. They tell me when they receive my claims and when they are processed. It gives me great peace of mind to know I can offer my puppies the best care for the rest of their lives.

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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