Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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.
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
5

out of 5

POSTED: | BY: Doug

Always responsive and fair

We've been an Embrace customer for years, and I'm finally getting around to writing a review. Every single claim I've submitted has been handled in a fair and timely manner. I have received the entirety of reimbursements that are due under the terms of the agreement. I wish my personal medical plan were as responsive as Embrace is for our cats. It gives us great peace of mind that we will not have to face a difficult decision - based on finances - if one of our cats becomes seriously ill. We'll be able to do what is best for the cat. I can't speak highly enough about the great service we've received from Embrace.
5

out of 5

POSTED: | BY: Rachel K

Efficient services, highly recommended!

I'm very pleased with Embrace handling the efficient and speedy claims on the wellness plan of my pet. Highly recommended to all pet lovers......
5

out of 5

POSTED: | BY: Carole Cinnamon-Lingo

Wonderful!

I've had Embrace insurance for less than a year for my 2 kitties. I especially like the Wellness coverage since my furbabies get annual check-ups which have become costly since they include teeth cleaning.Each kitty had a check-up this year. Emails informed me my mailed claims had been received and when the payments were sent. Both times I received my payments within 7 days. I could not be happier with Embrace. Preventive care should be covered just as it is (finally!) with humans.
4

out of 5

POSTED: | BY: DC

payment reimbursement much faster now

Hi I wrote a favorable review about a year ago or so but since then I was a bit put off by the slow reimbursement. But the last three claims have been dealt with very quickly and promptly (replied to my claim and reimbursed within 3 business days) so I wanted to thank Embrace for really making an effort to improve upon that. Kudos to your growth and customer service.

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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