Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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 MacChlerie

Improve claim form so it can be prepared on line and you have a purrfect company!

I was initially unhappy with the claim process as the claim form was not electronic and must be printed filled out then brought to the vet for their input. I feel such a wonderful company should have, by now, had their IT folks made it possible for all correspondence to be made electronically. I also then zeroed in on my vet instead. Your rep talked me out of cancelling our policy and explained why I should stay insured with Embrace. So… after speaking with our vet and your representative I decided I was a bit hasty and had allowed my cats to interfere with the insurance process. I had to remind them that their job was to just play with their toys, sit on my lap, purr and look pretty! It seems Other Other Pussums was behind the whole thing and was very aggravated because the vet had put her on a strict diet, and she’s been mad at everyone since.
5

out of 5

POSTED: | BY: Louise Jones

Amazing

Quick and easy claim process. Claim was paid in less than a week. Great company
5

out of 5

POSTED: | BY: Barbara Barry

Great service

I just recommend my good friend to sign her dog with you
5

out of 5

POSTED: | BY: Melanie T.

Ease of claims process

Embrace has seen us through the death of two of our babies. They have made it relatively painless. When Sophie died it really hit us hard. She was our "little girl" that had so many health problems. We had her 10 years and Embrace was there through two surgeries and the medications. We gave daily injections for her diabetes. I can say the claims were so easy. We would go get her insulin and needles, scan the claim form, and upload everything. Within about two or three days we were reimbursed. They even made canceling her insurance easy. After she was gone all we had to do was send an email. We will miss Sophie! Siggy is staying on Embrace and we hope to have him for many more years!
5

out of 5

POSTED: | BY: Roxanne Lee

Very frustrating process for a new customer.

Lack of clarity upfront for a new customer on all that must be done to get a claim processed. Thus far, I am 2 months and still waiting for Embrace to process my claims.

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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