Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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.
3

out of 5

POSTED: | BY: Linda

My Claim Was Closed

I have been a customer for a number of years, and have been very satisfied with the plan. However, my last claim for my new dog, Shyla, was completely mishandled. First, it was processed under my other dog, then it was "closed for lack of information." I was never notified or questioned for additional information. After I sent a message on your website, I received a reply and, after refaxing the paperwork and an additional receipt, the claim was processed. I can understand if there is a question about a submission, but do not understand why the claim was closed without any notification. It is not a very professional way to do business.
5

out of 5

POSTED: | BY: lrhaber

Embrace moved fast and was fair!

Good work Embrace; first company that lived up to it's advertising in my 40 years of having my animal friends live with me :)
5

out of 5

POSTED: | BY: Lisa

Distended Abdoman German Shep.

My German Shepherd was bloated from over eating after a food bin was left open, by accident. He went to the veterinarian for radioraphs and observation for the day. It was a easy decision to do whatever was asked beacuse I knew he was covered by Embrace! If you have a pet ALWAYS BUY EMBRACE INSUANCE!
4

out of 5

POSTED: | BY: Asel

Fast Reimbursement

My year-old Dachshund required emergency diagnostics after he ingested a foreign object. My total vet bill was $990, including a visit, blood work, X-rays, and medication. Embrance processed the claim and issued payment (direct deposit to my bank account) in less than 5 business days. Insurance covered all the costs ($820) except for medication, which is not covered under our policy.
5

out of 5

POSTED: | BY: Bo

Great service

I love this company.Not that I love filing claims, but when I do, I know it will be handled efficiently. I really like the communication during the process.
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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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