Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,922

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: Kathryn

Fast turnaround

Very quick email response to submitted claims and soon received reimbursement check. Recently had a cat who ad lymphoma and I did not have pet insurance..won't be caught without it again Price is good for 2 healthy kittens I'm very pleased
5

out of 5

POSTED: | BY: Don

Embrace is the best !!!

We have been with Embrace over 7 years. They are the best in processing Illness Claims for our Dog Cody. He has been sick the last 2 months. He is gettting better now. I have told our Vet(Dr Serra)at Wood River Animal Hospital in (RI) how great Embrace is in processing our claims with the benefits that we have. Also have told cleints and friends about Embrace. Great owners and staff at Embrace.
5

out of 5

POSTED: | BY: Hugh

Great Service

Embrace has provided great coverage for a very reasonable price. The most remarkable part is their clear prompt processing of claims and the timely explanation of coverages. Truly a remarkable level of personal care and attention in today's impersonal insurance world. A great value.
5

out of 5

POSTED: | BY: AURORA

LOVE THEM!

It's very hard to find a company with great customer service but I'm glad I did! :) It was very easy to sign up online, and a representative contacted me right away. Now I was a little nervous getting Pet Insurance because I didn't think it was very important. At the same time I love my puppy Marlo like my child and so I decided to get it. & THANK GOODNESS I DID! My puppy ended up breaking his leg and needing surgery just a few days after I got his Orthopedic Exam. We were referred to Sage Vet Clinic (known as one of the best)for his surgery and they asked us right away if we had pet insurance. We told them we had and EMBRACE and with relief they told us they were one of the best! Hearing this from one of the Vets definitely made us feel like were with the right company! :) I called Embrace thinking it would take forever to speak with someone but I was talking with a representative within minutes!! He was very informative and answered all my questions and guided me step by step. I highly recommend Embrace Pet Insurance!!
4

out of 5

POSTED: | BY: Mary

Quick and Positive but not always accurate

Embrace staff are friendly and communicative, and their messages to me are timely, their replies to my questions and claims quick. However, they lost all the paperwork for a claim that was both mailed and faxed to them. If I had not asked one simple question that claim would never have been processed. They also confused the information I sent regarding my vet and requested information from vets I have never been to, heard of or communicated with. However once again their response was quick, friendly and professional. It seem to be all straightened out now and I am glad as I enjoy doing business with them overall.
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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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