Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Anthony L

MAXIMUM KUDOS

Never in my 84 years have I ever received a claim settlement in less than 48 hours!!!! Trixie and I thank you for your helpful pet Embrace health, work and play e-mails, and the prompt, speedy claim settlement......MAXIMUM KUDOS
5

out of 5

POSTED: | BY: Kim Nagle

Wellness Claim

I logged on to submit a Wellness claim for Evie's spay and was a little confused about what was needed. Started an online chat and was helped quickly to complete the process. I submitted the claim and received an email confirmation and a couple days later an email indicating that the claim was approved and a check was on the way. I am very happy about the promptness and excellent communication chain.
5

out of 5

POSTED: | BY: Caroline

Embrace really cared

My policy includes the Wellness program which covers things such as flea and tick control and other things. I sent in my invoice and a day later I received a message from Embrace regarding the invoice. They were not able to process the claim because the invoice total amount did not match up with the amounts. The error occurred because I asked the pharmacy to price match and I guess in the process the total amount got out of whack somehow. Embrace noticed and contacted me rather than just not process it because the total amount did not make sense. I receive the revised invoice from the pharmacy, sent it over to Embrace and they processed my claim right away and I am now waiting for my reimbursement check. This may seem like a small issue, but I am very grateful that Embrace reached out to me to give me a chance to rectify rather than decline the claim. Embrace came through for us - again.
5

out of 5

POSTED: | BY: Exceptional Excellent

OProcess claims verrrrrrrrry quickly.

Excellent
5

out of 5

POSTED: | BY: Deborah J.

Best insurance ever!

This was the most painless claim I have ever filed with an insurance company. Everyone I have dealt with at Embrace has been friendly, knowledgeable and eager to help. Will you insure my car?
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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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