Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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.
4

out of 5

POSTED: | BY: Michael

Claim Handling

I love the customer service but I hate how within the last three claims I have had to contact customer service to do their job and look into their receiving documents better. Last two claims I was told documentation was missing when it wasn’t. I only found out by logging into the website to check on the claim and never received an email.
5

out of 5

POSTED: | BY: steve

great prompt service and claims processing

been with them for many years. KC had some serious problems after attack by unknown predator---survived and ran up the bills---claims were paid according to my policy---fast. lately just had a buch of cold laser treatments for her and again paid within days of submitting several bills. they are not cheap as KC gets older but their coverage for her and payments when problems occur have been great. Have to recommend with no reservations
5

out of 5

POSTED: | BY: Joe

Ultra Fast Reimbursement

Have had Embrace since we obtained our pet. We’ve had two major claims (conditions common to the breed) and each time we were reimbursed within 7-10 days. Filing medical claims electronically and receiving reimbursement directly deposited to our bank account is very convenient. Wellness claims likewise are fulfilled without delay.
5

out of 5

POSTED: | BY: Marian

Excellent! The staff was very helpful and showed great compassion.

When your pup has a freak accident you don't think, just react. I want to thank Embrace for their genuine compassion and help during the claim process. Superb customer service and yes our girl, Pennee Lang, is 100% once again! Thanks to all!
5

out of 5

POSTED: | BY: Darlene

Diligent and great communication

Our puppy ate raisens which we know our toxic and took him to the emergency vet. They were lax in getting additional information back to Embrace so that our claim could be processed. Embrace kept us informed of the claim status until it was received.
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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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