Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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.
1

out of 5

POSTED: | BY: Brenda

Very disappointed with Embrace insurance

I was very disappointed. I was told that my dog would not be covered for a cyst which was not a pre-existing condition. I am in the medical field and fortunately was knowledgeable enough to question the unapproved claim. They were trying to tell me that a very hard benign tumor which she had in the past was the same as this fluid filled cyst which was entirely in a different area. Fortunately my vet called and agreed with my evaluation of the situation. I do not think the reviewers are knowledgeable enough. So be persistent if you put in a claim. It also took way past the 15 days for a review when I appealed. The policy listed is that a decision is made in 15 days. I would not recommend this insurance.
5

out of 5

POSTED: | BY: MARIZA

THE BEST PET INSURANCE COMPANY AROUND.

AFTER GETTING MY BICHON FRISE I KNEW THAT I WAS GOING TO NEED PET INSURANCE. AFTER REVIEWING SEVERAL OTHER COMPANIES I DECIDED TO GO WITH EMBRACE. AT FIRST WHAT DREW ME IN WAS THE NAME."EMBRACE" HOW CAN YOU GO WRONG WITH A NAME LIKE THAT. BUT LITTLE DID I KNOW THAT IT WOULD TURN OUT TO BE THE BEST CHOICE FOR PET INSURANCE. THE CUSTOMER SERVICE IS OUTSTANDING. ALSO I HAVE GENERATED A FEW CLAIMS AND SO FAR I HAVE NO COMPLAINTS. CLAIMS ARE HANDLED EFFICIENTLY. ALSO IF THERE IS A DELAY YOU ARE NOTIFIED PROMPTLY. AND ALL CLAIMS ARE EXPLAINED TO YOU.ANYTIME I CALL EMBRACE FOR WHATEVER IT MAYBE, I'M ALWAYS GREETED WARMLY AND PROFESSIONLY. I HAVE NOTHING BUT PRAISE FOR EMBRACE. OH, BY THE WAY THE PRICES ARE GREAT!! I DON'T THINK YOU WILL FIND A BETTER PET INSURANCE COMPANY AROUND.
5

out of 5

POSTED: | BY: Steph

Good Service- No Hassles

Just received my check after meeting deductible. Thanks for your prompt assistance.
5

out of 5

POSTED: | BY: Pat

Learning and Development-Training

The personal attention from each of your employee members has been terrific. They have been personable, responsive, empathetic and responsible. Thank you very much for your assistance.
5

out of 5

POSTED: | BY: Ana

Good coverage, good service

I've never had pet health insurance before, but felt I might need it when I got 2 young kittens 6 months ago. I am paying extra for the wellness coverage--which just paid $200 each towards their spaying. These folks also get A+ for service--informative emails at every step and phone availability when I had a question
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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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