Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Gilbert

From someone in insurance: BEST service ever

As a loyal Embrace customer (and Allstate Insurance agent), I always mention the amazing service we received from our Claims Embracer, Sam Adkins, when our little baby Kobe had to undergo surgery to remove one of his kidneys last month. We had our money deposited (over $6,300) directly into our bank account less than a week after the claims were received by Sam (about 2 weeks after we submitted them). Although the claims were initially misplaced, we got our reimbursements within days once Sam got on it. What a lifesaver it is to know that we have Sam and everyone at Embrace looking out for our financial wellbeing, especially when facing the most stressful of times caused by our beloved pet's illness and surgery. We have since posted our experiences with Embrace on Facebook for all our friends to see (I have over 1400 of them) and always remember to mention how amazing Embrace is to our vet, Dr. Rowan, at the Rutherford Veterinary Hospital in Dallas, TX. She is quite impressed with the service as well and wishes that her own pet insurance company was as diligent as Embrace. From the bottom of our hearts (as well as Kobe's and his brother Bubba's), THANK YOU Embrace for your amazing service. Proud Embrace Customers for Life. Gilbert Vansoi and Darren Roesch Dallas, TX
5

out of 5

POSTED: | BY: Wendy

Thank you Embrace!

Despite all my efforts to avoid ticks my Chesapeake Lindsey has contracted Lyme disease twice. The second time the Lyme number was off the charts. Luckily Lindsey's kidney function was fine desite the severe Lyme disease. It's nice to know that Embrace is there for us when Lindsey is sick.
5

out of 5

POSTED: | BY: Tom

Great customer service and affordable coverage

I've been an Embrace customer for the last several years and have been very pleased with their insurance options and customer service. Claims have always been paid promptly. For about $30 a month, I get excellent coverage. I highly recommend this company to anyone who is considering pet insurance for their companion animal(s).
3

out of 5

POSTED: | BY: Tuckers

Hmmm - Changes???

I had been very satisified with Embrace until I received this last group of claims. The process was very slow. First I thought it was attributed to a software conversion. Which is reasonable to take some delay. Now today after requesting the status on outdated claims, which is unlike Embrace, I find out I have a new processor. My pup who has hip hysplasia -- I am told only 1/2 of the treatment will be paid for -- ONE leg -- pretty ridiculous -- why, the other is rehabilitated -- hugh? I am at a pause since this is so unlike Embrace. My pup goes for hydro therapy covered by the policy -- yet -- they will cover 1 leg -- I can't help 2 legs are in the hydro treadmill. Then when I asked to speak to a supervisor I was put on hold for a long period of time and no one came back to the phone.
5

out of 5

POSTED: | BY: Tucker's

Simply The BEST

Thankfully we have Embrace Pet Insurance and our pup has hip dysplasia. He has had surgery and extensive rehab. Embrace has been beyond MARVELOUS with covering the care our little guy needs. They pay claims very prompt and the customer service is fabulous. Every person I have encountered at Embrace is geniune and caring. Embrace is Simple the VERY BEST!

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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