Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,001

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: William

Rapid Processing of claim

Took my dog to the vet on Tuesday afternoon, March 10th. Embrace had an approval of my claim on Thursday March 12th. Amazingly quick turn around. Have had excellent results on prior claims also. The best Pet Insurance as far as I am concerned.
5

out of 5

POSTED: | BY: sandra

my dog is worth it !

talking to Shannon sales representative was a pleasure thank you
5

out of 5

POSTED: | BY: Silvia

Professional, courteous, reliable

It’s a pleasure to speak to customer service if needed and feel at ease knowing my pet (family member) is covered medically.
5

out of 5

POSTED: | BY: Deborah

We are very pleased with and extremely thankful for Embrace Pet Insurance.. We highly recommend it.

We have had quality service from Embrace. They have been quick in response to our pet's needs. Its service personnel have always been patient and always helpful to our needs when we have had questions concerning our pet's coverage
5

out of 5

POSTED: | BY: Cynthia

Be prepared with historical records

The filing was easy. Online. Gathering the necessary records from every vet seen from one year PRIOR to POLICY START up to claim date proved difficult. I’d advise gathering the records now, before a claim, and maybe having them sent on periodically. Not just invoices, but vet clinical notes called SOAP notes. Some vets were easier than others, but it’s a time consuming process. The more vets, or the longer the timeframe the more difficult. Embrace reached out to the vets themselves to assist. So none of this difficulty is their fault. Once they had the necessary records it was a breeze. So, if I start sending records as he sees the vet, any future claim will be very easy.
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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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