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.
5

out of 5

POSTED: | BY: Amy

Wow

I don't believe I've had an insurance company (for humans, or pets) follow up to make sure I received a payment. Wonderful service so far. This is a new policy and I'm already impressed. I work for an insurance company and we are actually able to write pet insurance for this company (I wrote the policy for our dog). You better believe I'll be talking with customers about this.
5

out of 5

POSTED: | BY: Marilyn

Embrace is the best pet insurance!

I cannot say enough good things about Embrace. I have had other pet insurance but none can compare with Embrace, The turnaround time for paying a calim is between one and two weeks. With other comapanies you are lucky if they pay the claim in a month. Plus they let you know by e-mail that the claim is being processed. Without Embrace financially it would be very diffuct to take my wonderful sweet Calico cat to the vet when her chronic ear problem is acting up. I have recommend Embrace to several of my friends.
5

out of 5

POSTED: | BY: Scott F.

Quick transaction and great experience

Our dog was neutered a few months ago and we made a claim using our Wellness Benefits. The process and forms were straightforward and we received our reimbursement within 14 days. Embrace also followed up with us to make sure everything went well. I consider that excellent customer service in this day of automated services.
5

out of 5

POSTED: | BY: Susan

Since 2009, excellent service as always

Our girl has been under the melanoma vaccine protocol since her diagnosis in mid April. Embrace has since quickly processed and paid her claims direct deposit into our bank acct for her treatment, with an average of 3-6 business days. We've had coverage with Embrace since 2009, and have always had good experiences with Embrace. Would continue to use them with our future furbabies.
5

out of 5

POSTED: | BY: Linda

Check is always in my hand in less than 2weeks!!!

Thank God I have only had wellness claims-but the speed in processing is great! From the time I mail the claim forms, get my acknowledgement e-mail, then get my reimbursement check is always within 2 weeks!!! I will now give them my checking account # that way they can do a direct deposit for future claims. I am thrilled with the service I have received thus far! Thank you Embrace!
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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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