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.
5

out of 5

POSTED: | BY: George

Fantastic service!

Embrace is a terrific organization...the customer service folks are courteous and helpful, and the claims process is as easy as can be. They really helped me out when my poor pug Pixie got diagnosed with hip dysplasia...ended up getting over 50% of the money I spent on an office visit and x-rays (would've been more, but I had to meet the $200 deductible and 10% co-pay). Spent $670 on the office visit, got $345 back. Can't complain at all. I wouldn't hesitate to recommend Embrace!
5

out of 5

POSTED: | BY: Dr.

Honoring their word

This is our first experience with pet insurance. It has been reliable and certainly worth the cost. I've been very pleased so far and as a healthcare provider who deals with disturbing health insurance behavior, this is a shining star.
5

out of 5

POSTED: | BY: Jo

Very thorough and rapid response.

Very timely response. Would recommend to others. Thank you.
5

out of 5

POSTED: | BY: Rena

Claims and Customer Servcice

I've had Embrace Pet Insurance for about 10 months on our puppy golden retriever Macy. Well Macy found one our plastic disposal razor and ate the top of the razor. X-Rays and overnight visit at the vets office and Macy was fine, no surgery. Made a claim and it was very easy, staff was most helpful and even after i meet the deductible i got still got about 25 dollars back. I was most impressed when I got an email from Embrace asking if things were ok and did i receive my check. Why can's America's health care work like Embrace Pet Insurance does. Great job and I am a very impressed customer.
5

out of 5

POSTED: | BY: lue

promt and very competant

Three months after signing up. Mydog ate a bottle of meds and was hospitalized. A week after send in my claim I got an email telling me a check was on its way. The check was equal to my mortgage payment. I was ecstatic. The. People working there are a pleasure to deal with. Im very impressed.
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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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