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: Michael

Flawless

I have been a customer for the past 6 years and during that time I have had numerous occations to use the claim process at Embrace. I have submitted claims for everything From a ear infection to surgery for a cancerous tumor and all of the claims were paid promptly and without question. I am very happy I chose Embrace pet insurance.
5

out of 5

POSTED: | BY: Jeannette

Very Pleased

I have made 2 claims. Each claim was reviewed expediently and reimbursement drafts were issued immediately upon approval of the claim.
1

out of 5

POSTED: | BY: Terry

Review of Claim for Sassy Brown

This is the second time we have been sent a "canned" response to a claim for Sassy whom we lost in early October. I believe you need to revisit your responses so that you have some compassion for those of us who have lost pets. This time, I couldn't even pull up the claim on the Portal as she is no longer with us and on our Portal. Although I gave you an overall rating of "1' on the claims regarding Sassy, we are Breeders and have always encouraged our new puppy owners to consider Embrace. If we have many more of these "insensitive" responses, we will look elsewhere to insure our 6 dogs and encourage all of our owners to do the same.
5

out of 5

POSTED: | BY: Jill

Excellent Service

It was our first claim and very pleased with the communication and the quick turn around processing time.
5

out of 5

POSTED: | BY: Jillian

Great Service

I've been using Embrace for a few years now. Anytime I have a question or concern their customer support team is always able to answer and is always very pleasant. Coverage has been exactly what they claim it will be and I haven't experienced any surprises.
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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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