Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Erin

Love this company!

They have done a great job getting precertifications done, and the response from the employees has been nothing but wonderful.It would be nice if the claim approval was a little faster. It takes about a month to see the approval for claims come through.
5

out of 5

POSTED: | BY: Doug

Great & Efficient Service 11/10/13

Embrace has responded to my claim faxes with an impressive efficiency history. It really does help to send them a pet history to speed up the process. I also appreciate that they enable you to get your claim via direct deposit. To date I have not complaints and they have covered my wellness claims with great service.
5

out of 5

POSTED: | BY: Virginia

Excellent Service

We have had Embrace for well over a year for both of our Cocker Spaniels. Watson was 'fixed' and within the day of submitting the request, we received email notification that our request was being reviewed / processed. A day later, the next email stating we would be reimbursed. Speedy responses are a norm with Embrace! We are extraordinarily happy with their service!
5

out of 5

POSTED: | BY: Cathey

Awesome customer service

Reponse to claims is fast and friendly.
5

out of 5

POSTED: | BY: Kerry

Always prompt and responsive

I have had Embrace pet insurance for the past 3 years, we just added a second dog to our family and now have insurance for both of them. Embrace makes it very easy to submit claims and the claims are always processed promptly and the refund goes straight into my bank account within days! I love having Embrace because it gives me the piece of mind not to have to worry about unexpected health expenses for my dogs!
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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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