Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Schinnel

Fantastic experience for this first time customer!

This is my first experience with any pet insurance plan. I recently submitted my first claim for my pet (which was a wellness claim). The staff at Embrace contacted me promptly to let me know that they received it, which was very thoughtful and professional. I would have been satisfied with his that kind of correspondence exempt that they processed it the NEXT DAY! I highly recommend the Wellness plan and while I hope to never have to use the pet insurance for dire circumstances, but it is really nice to know that I could get a quick response and great service with Embrace.
5

out of 5

POSTED: | BY: James Ganong

What insurance should be.

I've had to use Embrace twice in the last year for my cat Maggie (he's doing better now) & the process was frictionless, working smoothly. When the mail lost a check, a new one was sent immediately. I deal with health insurance in my work life, & I can only wish it was this good for humans.
5

out of 5

POSTED: | BY: Tony

Excellant Job

A claims form should be made available during the set up of the insurance. Everything else was perfect. With that being said I did not look on-line for a claims form. It made things easy for me once I received an email with the claims form. However the Embrace sent the form over to the Vet for me.
5

out of 5

POSTED: | BY: Mark Tyson

so far, so good

no complaints. Easy to file, quick response. Still an on going problem with my dog, Skittles. I'm told she will need a MRI, however the steroids are helping. When she tries to run she drags her hind legs. I am worried about her but having Embrace health insurance by my side I feel a little better, like we both want her to get better. I really think it was a good decision to get insurance, after all, my dogs are family too!!
5

out of 5

POSTED: | BY: Nancy Dinsmore

Excellent Insurance & Customer Service

I have been an Embrace customer for over two years and have NEVER had a problem! I did not realized that our plan came with prescription coverage. We were able to send claims going back several months for our dog's daily medication. Embrace quickly reviewed and processed our claim. We are thrilled! Having shopped around for pet insurance, most do not include prescription coverage in the main plan. What an additional plus to an already great company! Thank you for helping us to keep our baby healthy!
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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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