Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Alicyn

Excellent customer service

I've had Embrace since my English Bulldog, Churchill, was a puppy. With all of the possible genetic conditions a bulldog could have, Embrace has never denied a claim. Within the past year, Churchill has had numerous eye and ear infectionsband other allery-related issues. Embrace helped with everything. In addition, Churchill needed ACL surgery and Embrace covered the surgery and medication.they also email periodically to check in to be sure I received my reimbursement. Embrace also processes the claims within 5 business days.
5

out of 5

POSTED: | BY: Chris

Seamless claims

I used Embrace for a claim on my dog for the first time last month. I've had the insurance the past few years, but this has been her first health scare. The process was easy and seamless and fast. I with my own health insurance was this simple.
5

out of 5

POSTED: | BY: Dee

One Word or maybe more

Amazing, fabulous, wonderful, great. The best. Claims processed quickly with stellar coverage for my pups.
1

out of 5

POSTED: | BY: Julia

Doesn't cover much

Will be looking for another insurance company. VIP Pet Insurance has a much better payout. I submitted claims after I switched and they paid out everything, none of this your dog can't have the same illness in a one year period! That's just wrong.
5

out of 5

POSTED: | BY: Patricia

Resolving a kink

For some reason, the statements don't get faxed completely or effectively when we file a claim. Recently we had a medication renewed for our dog Daphne and there was a snafu over the statement getting faxed from our vet's office. Working with Embracers on the chat line and later via email the issue was resolved, and quickly. The money appeared in our checking account very soon after.
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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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