Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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

Easy claims process

I take my claim form into the vet when she sees my dogs--that way she can jot any notes down right then and there. I quickly complete my part and the office staff faxes it directly to Embrace. That way I know the claim is off and my vet doesn't have to re pull the file to fill the form out later. I wish you would add Lagotto Romagnolo to your breed list on this pop up as I have to put her in as something else. Thanks
5

out of 5

POSTED: | BY: RivahDog

Great for my senior dog

Finally someone is offering reasonable health insurance for my 12+ dog! I have two other dogs insured through Embrace and I love the fast claims service and that I don't have to squabble about the cost. What my vet charges is accepted--there is no schedule of benefits. Nice people to deal with if there happens to be a problem. My dogs give it a great paw rating.
5

out of 5

POSTED: | BY: Amy

Best customer service ever

When you call, they know who you are and ask about your dog. They pay claims without debating every little thing, and truly gave me no worries at all even when a claim went miscategorized for a short while. They listened, realized the error quickly, and got it fixed immediately. Easiest relationship I've eve had with an insurance company, hands down!
5

out of 5

POSTED: | BY: Deanna

So glad I signed up with Embrace!

I'm very happy with the results of the claims I've sent in--my claims have been handled promptly--even when you've had to go back to the vet to get additional information.
5

out of 5

POSTED: | BY: Mike

speedy response on request for coverage

I have submitted two claims for my lab. I was amazed how quickly they were processed. The coverage is great. I highly recommend Embrace.Mike Hess
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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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