Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: 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!
5

out of 5

POSTED: | BY: BigMez

True to their Reputation

I did a great deal of reading and comparing before finally deciding to go with Embrace. Glad I did. They have a stellar reputation for customer service. I recently took my dog in for a skin problem and the orthopedic exam. After sending in my claim, I promptly received a courteous email followed in a few days by the reimbursement check. Had no idea it was going to be this easy. If only people insurance were run with the same amount of forthright honesty and courtesy.
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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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