Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Stephanie Markgraf

Great Customer Service

Diagnosed on a Tuesday, in surgery on Thursday, and had 80% of claim paid a week later! Wellness claim took a week longer. Overall great customer service and quick payment. Customer service reps are always courteous and know their stuff! Thanks Embrace.
5

out of 5

POSTED: | BY: Nicole

Amazing Customer Service and Speedy Claim Refunds

I have been a Embrace policy holder for my two dogs for a few years, after leaving another insurer. I have been so impressed with their response time, updates on claims and claim refund speed. My older dog torn her ACL in August and a TPLO was recommended after a thorough assessment, but it came with a high cost. Embrace put me at ease with a pre-procedure claim -- knowing her surgery would be covered was a huge relief, and the customer service representative I emailed with was so prompt and very kind and sympathetic to our situation.
5

out of 5

POSTED: | BY: Brian

Best Purchase Ever

Thor is my first puppy ever and I wasn't sure if I'd need puppy insurance. I figured what would happen? Well I'm sure glad I ended up listening to my friends and getting it because within the first 8 months I've had to use the insurance 4 separate times and I've never had a problem being reimbursed from Embrace. They work quickly and let you know every step of the way where they are at with your claim. Once approved the checks show up a few days later. Simply the best insurance experience I've had!
5

out of 5

POSTED: | BY: Kathleen Cogan

Great Company

All of a sudden our dog was dry heaving and sneezing and thus bleeding from his nose and mouth. Had to rush him to vets. Vet thought three possible things could be the problem. One of the three diagnosis was correct and he is now okay.Vets office faxed my claim and it was handled quickly and received deposit in a very short time. Embrace is great to work with and follows through to make sure received reimbursement.
5

out of 5

POSTED: | BY: Dawn Christine

Amazing customer service.

Submitted my wellness claim on 11/10/15, and the reimbursement check was in my account on 11/16/15. The customer service at Embrace cannot be beat. :)
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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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