Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: Brooke

Clear and fair

Embrace staff are always available to provide assistance needed. They have clear explanation of benefits that are easy to understand, communicate promptly and are fair in their assessments of coverage. I have been with them for two months and have had nothing but a good experience.
5

out of 5

POSTED: | BY: Leslie

My saving grace

Embrace Pet Insurance has been my piece of mind. Luckily for us our FINLEY hasn't needed much in the way of emergency care. But the "piece of mind" is worth the monthly premium. I know that if something major would present itself that I would be able to do what is best for my dog. I will continue with EMBRACE for the life of my best little buddy. The reimbursement check is received quickly and deposited in my account. I can rest easy knowing that whatever my canine needs I can afford his treatment due to having EMBRACE as his insurance! Thank you for all that you do.
5

out of 5

POSTED: | BY: Diane

Very quick claim review and reimbursement!

On the second day that our dog refused to eat, I took her to the vet. (I feared the worst, as this was the first sign of kidney failure in our previous dog.) Thankfully, after x-rays and blood tests, the vet administered injections and prescribed medication. She is fine now! Embrace was unbelievably quick in reviewing the claim and issuing a reimbursement check. Thank you, Embrace!
5

out of 5

POSTED: | BY: Marc

Fast and painless

Our Dog Callie hurt her knee after jumping off the couch. THe folks at our Vet (Best Friends) took very good care of her and processed our Embrace claim for us. within a couple of weeks I received a confirmation from Embrace that they were reviewing our claim, followed up by a second e-mail confirming that the charges were covered. It even included a very easy to understand EOB for our records. THe check came within a few days after that. It doesn't get much easier than that. Thanks Embrace!
4

out of 5

POSTED: | BY: mrsjwr

overall good experience

submitted claim by fax. good thing i followed up because they didn't receive it. the customer care person was polite and helpful but i had to insist because she kept saying "not yet" when it had been 8 days after fax sent. finally gave me email and waited on phone with me until she received it. also nice… received follow up email after claim processed to make sure we received check would be nice if we could submit claims online
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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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