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: "Karah"

Great Customer Service & Claim Payment!

This was a great decision! I've been with Embrace since October of 2013 (my first ever experience with pet insurance) & just received my first wellness claim payment. It was less than 10 days from date of fax to mailbox! I've also received wonderful, prompt, professional, yet still 'real' & friendly communication from Embrace before during and after my submission - wouldn't it be great if human insurance was this painless? THANKS EMBRACE!!
5

out of 5

POSTED: | BY: nikki

thank god for your caring service

Thank GOD for your caring and professional staff in this very, very bad time in our lifes nikki is like my child and if we lose her my life wont be the same .and your staff I feel seems to know this by the way they treat me when they speak to me on the phone.never a problem and never a bad attitude with anyone on the phone I have recommended your service to many people and I will be for a long time from now as well.thank you all so much.with all my thanks and gratitude michael
5

out of 5

POSTED: | BY: Alisha

Quick Claims, Good Customer Service

We submitted our claims from the last 6 months over the past few weeks and received checks promptly. Anytime I have a question I get an answer right away via email, very impressed with their customer service. We have had our puppy for half a year and our insurance has benefited with wellness exams/vaccines.
5

out of 5

POSTED: | BY: Tina

Very Impressed

In May we lost of old boy Dusty, a 15.5 year old golden retriever. The last 3 years of his life we encountered multiple surgeries in addition to cancer treatments; we'd do anything for him to be healthy and comfortable in life. We promised ourselves that with our next dog we'd have insurance.....we now have adopted 2 more goldens and signed them up with Embrace. We have experienced excellent and prompt customer service on every level. We cannot speak highly enough about the ease of signing up to convenience of claim filing to the fantastic response times. Every pet owner should look into their coverage, premiums are very reasonable. Thank you Embrace for giving us piece of mind and wonderful coverage!
5

out of 5

POSTED: | BY: Doris

Excellent coverage and caring.

My two-year-old Golden Retriever tore her ACL (cruciate ligament), and had to have surgery. EMBRACE not only reimbursed for the surgery, but for six weeks of physical therapy as well. I'm impressed with their coverage, and their caring follow-up to see how Emmie is doing.
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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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