Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,906

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: carl

Embrace Pet Innsurance IS THE BEST

Embrace is an insurance company that wants to help our dogs. My dog Zoe has an arthritic elbow. Embrace covers alternative forms of treatment. We've tried cold laser treatment with not much success. Now we're going to try stem cell therapy, which embrace is going to cover. They are the best !!!!
5

out of 5

POSTED: | BY: Jennifer

Very Prompt in processing my Claims.

The Embrace Team are the best! I am constantly being updated on the status of my claim(s). I have been with them for about 4 yrs now. I have been denied a few claims for one of my pets, but they do explain as to why the claim was denied and it has been reasonable. However, I am still impressed with how efficient they are about processing my claims. My refunds are done promptly and are usually received just in a matter of days!
5

out of 5

POSTED: | BY: Ellen

Excellent!

Excellent service in every way! Personable staff who treats u with care!
5

out of 5

POSTED: | BY: Sandra

Easy Peasy!

I am so please with how easy it is to file a claim with Embrace Insurance. The quick response both in acknowledgement and payment of the claim are a boon as I don't have to keep it on a list of things to check. Once signed up with Embrace, when going in to enter a claim, all of my pet's information loads immediately so I don't have to spend time re-entering anything. I appreciate the time savings of the entire process.
4

out of 5

POSTED: | BY: Leslie

Great

Embrace is very responsive and process claims quickly.
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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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