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: Pam

Another Great Experience

On March 7th our 7 year old Lab had ACL surgery. The first claim went right thru with no problems at all. On May 26 she needed a follow-up with sedation x-rays. The doctors office faxed the forms for us. in less than 7 days our claim was processed and paid. I would recommend this company to anyone who is thinking about getting a four legged family member. this is our second company and this is the best. Previously we had VPI and it was a nightmare .
5

out of 5

POSTED: | BY: Jo

Prompt claim processing

My dog had two cracked premolars that necessitated removal and surgery was performed sucessfully. Embrace claim was processed within 5 days of the operation and I am satisfied with the reimbursement process.
4

out of 5

POSTED: | BY: Christina

wellness claim

Wellness claim. It was a prompt experience and I appreciated the email that let me know that you received the info I sent you.
5

out of 5

POSTED: | BY: Tandy

Great Comprehensive coverage & customer service

I have 2 dogs covered and am very glad I had the coverage. When my youngest was only about 2 weeks past her waiting period, she had a severe allergic reaction to the organic mosquito control mist I used on my yard which required a very pricey trip to the Animal ER. Claim covered, no questions asked. Love the wellness program for vaccines, heartworm meds, dental care, etc. Did a lot of research before purchasing a policy and they are a little pricier than most, but the things they cover, the speed of claims processing and their great all around customer service is worth it in my opinion. I recommend it to anyone I know who is looking for good pet insurance.
5

out of 5

POSTED: | BY: Dan

Easier to deal with than my own (human) insurance!

My dog recently had MPL surgery done by an orthopedic specialist. When I asked to fill out the claim forms, he advised my that in his experience, claims for the type of surgery my dog had all always declined. The surgeon had only had experience with VPI. 7 business days after filing my claim, I received an email from Embrace saying my claim had been approved and my check is in the mail! I paid out of pocket a total of 2540.00, and Embrace paid for all but 400.00!

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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