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: J.

Great Customer Service

As always, I have received great customer service from another Embrace claims representative. This time it is Sam Adkins. He took care of a problem with efficiency and expedience. I always appreciate how Embrace representatives are very helpful and get the job done in no time at all! Thanks again for a great "Embrace experience"! Sincerely, J. K. Fort
5

out of 5

POSTED: | BY: Kitty

Great customer service

I have a two Goldens insured with Embrace and while they're generally healthy they do have occassional, minor illnesses and then of course they're reguarly scheduled shots and wellness visits. I have found the service from every Embrace staffer to be extremely helpful and timely. I also love the direct deposit available for claim payments!
5

out of 5

POSTED: | BY: Diane

Research & Personal Experience prove Embrace BEST!

I did a lot of research almost 5 years ago when I chose Embrace. From day one I've been happy with my choice. On one recent claim my 5 year old Miniature Schnauzer, Brody, was diagnosed with juvenile cataracts. I am willing to pay for a premium policy, just like I do for my own health insurance where I know what my deductible is and what my actual coinsurance will be. And my reimbursement will be for the actual cost of treatment. I have been very happy with the care and speed of service....with auto deposit I've been reimbursed within just a few days of my vet faxing our claims. I am a loyal advocate for Embrace and recommend them any chance I can. You will not find a better company to work with.
5

out of 5

POSTED: | BY: Jim

Claims are always processed promptly and fairly.

We have a middle aged Dane who is showing spinal issues. At the recommendation of the neurologist we had an MRI performed which, happily, eliminated the most serious possibilities. Embrace paid a significant fraction of the cost. We have two Great Danes currently insured by Embrace and also had previous Danes covered. We have always been highly satisfied by their coverage and professional service. Our vet remarked on a previous claim that the percent paid was surprisingly generous, so we are not alone in our recognition of Embrace
5

out of 5

POSTED: | BY: Scott

MR

Not only are Embrace's rates and coverage the best in the business, but the customer service staff has always been extremely patient, courteous, and prompt with explanations and payments on claims. They don't make up reasons to deny claims.
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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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