Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: RivahDog

Great service

I have three dogs with Embrace, all are registered therapy dogs and two are service dogs. So far, our claims are mostly wellness and I love the fact that I can budget for their health care and preventative care as with three it adds up quickly. Just this year I moved my last dog from another company when Embrace added coverage for old dogs. Hopefully we'll never have to use the accident or illness coverage--but it is worth the money to me to have that kind of peace of mind. We travel a great deal and may have to use a different vet--with different fees, using Embrace makes that easy!
5

out of 5

POSTED: | BY: Marilyn

Quick claim service

I recently submitted a claim for a newly adopted dog. I mistakenly used a claim from from another of my pets. The claim was denied. I didn't realize the mistake and called Embrace to find out what happened. While I was on the phone, the problem was investigated and corrected. They stand out as an example of how pet insurance should work!
5

out of 5

POSTED: | BY: Suzette

Thank you Embrace

I just wanted to take a moment to thank you for completing my recent claim in such a timely matter. I received e-mail notifications when the claim was received and an e-mail updating me.
4

out of 5

POSTED: | BY: Sandra

Slow on-line service; pleasant, prompt personal

No response to on-line, faxed claim. Telephone call, w/ on-line followup requesting expedited processing yielded results. Nearly three weeks from start to finish.
5

out of 5

POSTED: | BY: A.

Best Customer Service Ever

Our dog has had several vet visits over the last few months, so we have been submitting a lot of claims. Embrace customer service makes this process so easy and keeps me updated on the status of every claim. They are always quick to respond to any questions I may have. If you are looking for insurance for your pet, I cannot recommend Embrace enough.
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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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