Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: JoJo

No worries....

It may have been a bit intimidating to go thru the motions at first. But, I just have pre-printed forms ready~should I need to go to the vet. The vets are well aware of filling them, quick & easy! The communications back and forth re: claims is a piece of cake. Always easy to understand and I've even called in with questions, only to be pleasantly surprised! So nice to not have to worry about the high costs of vet bills.
5

out of 5

POSTED: | BY: Kathleen

Quick Response

Submitted our 1st wellness claim and it was processed very quickly. Had other pet insurance and they were slow to reimburse (over a month) from submission. Embrace is a very friendly and customer oriented company. Folks so responsive and helpful.
5

out of 5

POSTED: | BY: Shu

Fast reimbursement for Wellness Claim

Email filing, online claim status tracking, and direct deposit made this a painless process. I received the Wellness reimbursement for our dog within days of sending in the email. Very efficient, great customer service.
5

out of 5

POSTED: | BY: Miles

Fast, Easy, Helpful Claim Process

When my black lab recently had to make a few trips to the vet, I was all over the place trying to figure out what to do for the claim with Embrace. Megan and the Embrace team were AWESOME, and kept me updated entirely through the claim process. She kept things clear and simple, and I was informed from start to finish about what was going on.
5

out of 5

POSTED: | BY: Lori

First Claim Experience - GREAT!

Once they received all documents...the experience was great! Had a little trouble with them not receiving the fax in the beginning, but everything turned out very well. They even followed up after the payment was mailed. Also, loved the fast email correspondence, no on phone hold or missed calls. Very glad we signed up!
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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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