Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Sandra

Great coverage and excellent customer service

Embrace's coverage is excellent and everyone that I have always emailed with or called has been so friendly, helpful, professional and finds your information really fast! Not having to worry about the insurance claims for my dog and knowing they are being handled efficiently during this difficult time not only helps financially but brings peace of mind and one less thing to worry about. The turn around from when the vet or cardiologist submitted the claim to when I received my claim payment was really fast. I received email updates to check on the status change of my claims. There were a few times I had to call Embrace during work, and I was more than appreciative that the people I spoke with both really efficient and very courteous. I am very thankful and more than grateful for everything that Embrace has done for me and my dog.
5

out of 5

POSTED: | BY: Meri

excellent service

I love this insurance company! They are friendly and competent. Claim was pre-authorized,so I knew what to expect. So pleased!
5

out of 5

POSTED: | BY: Laurel

Embrace is the Best

I am so glad I'm a member of the Embrace Pet Insurance family!!! We purchased it when our Bullmastiff was a puppy and we are so glad we did. We also purchased the well visit part and the insurance has really been a blessing for us. Fergie has had small problems like all new puppies and bigger problems now that she is almost grown (she has allergies). Embrace is right on top of things and when I send in a claim form it is handled quickly and they always let me know they received it-and after they process they follow to make sure it was handled properly. I would highly recommend them. They are terrific!!! And having insurance on your pet is a must!!!!! You never know what can happen!!!Thank you Embrace!!! We are happy customers who know what a good insurance company is!!!!!! We would encourage all pet owners to purchase Embrace-to Protect your Pet!!
5

out of 5

POSTED: | BY: Meredith

OVERALL GREAT PET INS

Since rescuing my kitten at 8 weeks she has been in and out of the vet with granuloma / dermatitis skin condition and other things kittens go through there 1-2,years. Embrace has been great with handling/processing claims. I had to file so many claims in less than 2 yrs and never had a problem. I always get an email on the status of the claim and if I ever had a question of any sorts I always get through to a speak to a representative. I believe the coverage is great in comparison to other companies and the monthly fee for the insurance is very reasonable for my lovable Tallulah. I intend to stay w/ Embrace
5

out of 5

POSTED: | BY: Sabrina

Life Saver

Embrace Pet Insurance is a life saver, we invested about $550 into the medical/wellness for our puppy and so far in 4 months Embrace has paid out as much as we invested. I'm certain that we will exceed the return on our investment over the full year. I will be re-purchasing when our policy expires. Our pup has constant ear infections, we adopted her 5 months ago and she's had at least 6 ear infections since. Without this policy, between that and her spaying, we would never have been able to get her the quality healthcare that she needed. She's also being tested for allergies to see if there's something we can do to prevent further problems. I rated the company at a 9 because the processing time for claims can be quite lengthy, especially when additional information is needed and the vet's office says that never received the request (who knows where the ball was dropped) resulting in ever longer processing times. If I were notified then I could proactively get the information from the vet, fax/e-mail it to Embrace, and get the ball rolling sooner. Claim amount is for overall use year to date, same for type of claim and I averaged the time to handle claim.

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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