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: John

Embrace is thorough, efficient and responsive

I was pleasantly surprised how efficient Embrace was in processing our wellness claim. We "adopted" a cat from a shelter and took her to our vet at The Georgetown (Delaware) Animal Hospital on 7/5/13. Embrace guided us through the claims process. We faxed our claim on 7/8 and we received our reimbursement check on 7/16/13 as promised. We would recommend Embrace to insure your pet.
5

out of 5

POSTED: | BY: Mark

Accommodating

Although we have yet to meet our deductible. Embrace reminds us to file claims so that they get applied toward annual deductible. Embrace has been quick to process the claims. Embrace has also been accommodating to me inquiries. We have two dog policies.
5

out of 5

POSTED: | BY: Susan

Wellness Reward

I was very happy with the service I received using my Welness Rewards
5

out of 5

POSTED: | BY: Ruth

Great service, great support

I initially purchased Embrace insurance for my dog after hearing good reviews from other owners. I forgot I had the insurance until I really needed it - an emergency life and death bloat surgery that would have cost me $5000. Embrace covered it quickly - minus my deductible - and I was incredibly grateful to have that kind of coverage in a traumatic situation. Since then Embrace has covered various issues for my dog as he ages with no problems. The form is easy to submit through my vet's office, I get an email letting me know my claim is being processed and typically get another email telling me the coverage amount and letting me know the check is on the way - all within about two weeks. I've called with questions and always get a helpful person on the line, no automated system or waiting on hold. Great service all around.
5

out of 5

POSTED: | BY: Vanessa

Quick and Easy Wellness benefits

I already knew that I would have to pay for vet visits out-of-pocket but thought the wellness plan and insurance would be good since it was like a discount program (you pay about $100 less than the benefits) for what you have to do anyways. I have made all the claims for the year since we just bought a new dog, but received all my reimbursements within a week of submitting the claims. I haven't submitted any injury or illness claims but I am so far satisfied with the service so far.
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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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