Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Tammy

Wellness

I recently submitted my dog's first wellness claim results via email to Embrace and a day later I heard back from a representative that the claims were accepted and to expect reimbursement within 10 business days. I was shocked at how quickly it was processed but more importantly how quickly it was acknowledged.
5

out of 5

POSTED: | BY: Christi

Simply Outstanding Service!!

I am beyond wonderfully pleased with Embrace!We acquired our insurance in Dec 2009. After having paid only TWO months of dues, our 3 year old English Mastiff had a rare occurrence, a twisting of his small intestine, which ultimately sent him into emergency surgery and a week-long, touch-and-go stay in the hospital. I called Embrace to make them aware of the situation and inquire about and verify our coverage in order to make a decision about treatment. They were kind and concerned and assured me of our coverage and limits, enabling us to make an informed choice. These decisions are so difficult to make in an emergent moment, but I felt we had made a great choice in Embrace when I did the research to purchase pet insurance. We ended up with over $12,000 in costs for treatment and Embrace paid every cent of our $10,000 annual limit!! Again, after only two months of payments from us! What a testimony of integrity and reliability in a company! Embrace will have my business for years to come and I would, and do, recommend them to every pet owner I know!!
5

out of 5

POSTED: | BY: christina

AWSOME COMPANY!!!!

I have had Embrace ins. since my dog was a puupy and they have been wonderful.At the young age of 1 my dog had two hip replacements and then due to a severe infection had to have one leg amputed.The people at Embrace are kind and compasionate and and I never had to wait long at all for my check.I have heard people complain about all different companies out there and I have never had a problem with Embrace.I would and have highly recommended this company to anyone
5

out of 5

POSTED: | BY: Amy

100% satisfied

I can never spread the word enough- Embrace has been one of the best decisions we've made. I usually don't write reviews, but I feel so strong about our experiences with Embrace. From the start, where you can choose your policy online and edit as you'd like, to submitting claims that are responded to and handled immediately, to the incredibly fast refunds they send back. Not to mention that when you call the customer service number, or email, you actually get a live person right away, no automated messages, and they tackle whatever question or concern you may have. If you are considering pet insurance, honestly don't look any further-Embrace is the ONLY way to go!
5

out of 5

POSTED: | BY: Janna

Excellent pet insurance

When we got our pug Augie last year, we decided to buy health insurance for him, as we'd had a dog before and the veterinary costs were often quite expensive. After doing our research, we settled on Embrace, and we're thrilled that we did. Embrace has been helpful and efficient from day one; they're quick to respond to inquiries, and quick to send reimbursements for covered visits. They also seem to understand the important relationship humans can have with their pets. Kudos to you, Embrace!

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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