Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Chloe

Pain Free Insurance

My dog got bit by a rattlesnake and had to go to emergency hospital for treatment. I was astounded by the fee. When I got home I called Embrace about what my deductible was (I forgot) and how they would pay the claim. The rep. told me my deductible and that I would be reimbursed 80% of the cost since this is the insurance I had selected. I sent in the claims and days later I got my check. I was so happy with Embrace. No hassle and no pain. I would recommend anyone to this insurance plan.
5

out of 5

POSTED: | BY: henry

Embrace reacts to claims as stated in the contract

Embrace acted in a professional manner to my claim for my puppy Cherish who had a seizure at a little over a year old.This was my first claim. She is on medication with blood toxic level test due to meds which will continue periodly. I highly recommend Embrace to all !!!
5

out of 5

POSTED: | BY: Bruce

Small surgery

I strongly support Embrace not only for offering their Wellness Programs, but also for a very prompt payment for the surgery and Wellness Programs. The customer service is top notch and I strongly recommend their service!
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.
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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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