Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Shelley

Fast claim return and customer service

I have had Embrace pet insurance for several years now and my cat was recently diagnosed with diabetes, so he is having regular vet checks, tests, and expensive insulin. I have had 4 claims in the past couple of weeks, and once they had the diagnosis confirmed with the vet, all the claims were processed in a couple of days. I emailed customer service a couple of times when I first submitted the claims and was always emailed back promptly, and within 12-24 hours. The funds were deposited directly into my bank account which is great and very convenient. In addition I was emailed (a personal email) after all the claims were deposited to make sure that I received them all. I gave the rating a 9/10 only because I dont give 10/10 because I believe that everything, no matter how good, has room for improvement. I have no complaints and only positive feedback for Embrace. The only think I would say that I noticed could be improved is the speed of the links on the website. Im not sure why it takes so long to go between pages - and it isnt "long" but longer than normal (in this instantaneous digital age).
5

out of 5

POSTED: | BY: Cathy

Superior Service

My German Shepherd had a bad cause of skin rash which irritated him and made things very uncomfortable. With treatment the symptoms gradually disappeared. The paperwork for the claim on two separate incidents was very efficient & quick to resolve matter with checkImpressive order and outcome 10
5

out of 5

POSTED: | BY: Suzie

Speedy Review Process & Fair Coverage

We've had Embrace for five years but have only had to use it for the first time this year when our dog was diagnosed with chronic inflammatory bowel disease. We've been so glad that we had an Embrace policy. Better still, because we hadn't needed to make any claims in years past, we had several years of healthy pet deductibles totaled up that cut in half our normal deductible this year. Every claim we've submitted has been efficiently processed, and so far. Embrace has come through with fair coverage for all of our pet's medical expenses. Embrace is the best pet insurance company out there, and you won't be disappointed. Other pet insurance policies we originally looked into getting have "gotcha" exclusions but not Embrace. We can't recommend this company enough.
5

out of 5

POSTED: | BY: Bill

Helping my Pet Children Stay Happy and Healthy

Embrace never ceases to amaze me. I'm not the smartest sock in the drawer so I just submit everything I get charged for by my Vet. Embrace reimburses me for almost everything I submit. Being on Disability, ever penny counts. I love my pet children and Embrace allows me to keep them healthy with both their Accident/Illness and Wellness Plans which are both very affordable. I think we should let Embrace run the Affordable Care Act!!! My pet children have better coverage then I do.
5

out of 5

POSTED: | BY: Patrick

Nothing but the best in the time of need!

We went through close to a year of worries with Waylon. We went though multiple anti-biotics, anti-parasitics, and even a dental surgery. Embrace was there through the whole thing. Not only was the reimbursement the best in the business but also fast and efficient. We're so glad we insured Waylon with Embrace and recommend it to everyone we talk to.

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 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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