Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Laura

Embrace is awesome

Our dog needed to have CCL (knee) surgery. Embrace quickly reviewed, covered, and issued a check for the reimbursement. I appreciate the email correspondence at every step of the process. I recommended Embrace to a friend and she immediately switched to Embrace. The switch was not only based on a better rate but she, like I, love the customer service. I would highly recommend this company to all pet owners.
2

out of 5

POSTED: | BY: John

Great experince and now horrid..

I used this company for a few years. I can't believe how bad they are now. I have several dogs insurance with them. They don't deny the claim but ask for info that they already have. They then close the claim. During this whole process, they don't notify me. I just looked online and it been happen several times. Another words, they loose records.... They use to be so good. They won't address the issue either.. Not getting contact correctly, loosing records and now not receding records..... Well that "not" receving records is an old story actually. Our vet faxed it one time 5 times....... I did as well... This time twice.. I am really think of switching dogs away form this company. I am so upset and disgusted by there tatics now. To be honest, it not by far the worst pet insurance company. There much worse companies out there.
5

out of 5

POSTED: | BY: I

Great Choice For My Pets.

I have been with this insurance company for a few years now. I am completely satisfied with the service for my pets. I have four pets insured. I will always remember when my Sugar passed, the out reach of sympathy from the associates was so warming in my time of grief. I would recommend this Embrace pet insurance anytime.
5

out of 5

POSTED: | BY: Pam

Excellant Company

Our Chocolate Lab had a torn ACL. Thanks to having Embrace Insurance on our little girl we knew everything would be ok. The operation was going to cost $4200.00 and with our policy we were able to just book her surgery so she would no longer be in pain. The payment from Embrace came even before our first follow-up appointment. Keep up the good work. Embrace takes a large portion of the stress away.
4

out of 5

POSTED: | BY: Adele

Rapid claim response

I submitted by claims at the end of February. By the end of March, I had my reimbursement! Very efficient customer service. Only glitch was multiple requests for the same receipts.
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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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