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: Regina Tracy

Embrace is a great investment

Good customer service with pleasant people on helplines. They processed my claim quickly. Sadly, I had a major expenditure that was not covered as it was discovered during the waiting period, but overall an important resource to have if one has pets.
3

out of 5

POSTED: | BY: Theresa Fitzpatrick

EW0003-4543 on 8/16/2013

This particular claim was processed very quickly; direct deposit made things even faster - just days. My other claim is still pending and was submitted the same day - I haven't received any further communications about this other claim since... I would have liked more detailed explanation on both claims viewable online because if additional information is needed by the Vet then I can make a call to push things along. VIP Pet Insurance handle this process much better and that was many years ago when technology wasn't at all what it is now. Theresa I'm halve satisfied with the process so fare. I cant recommend Embrace yet as your 1 for 1 on claim processing and communication.
5

out of 5

POSTED: | BY: Colette Nunes

Embrace always comes through !!! They are the Best

Everyone that has a dog should get insurance just like you do with the rest of the family, and embrace is the best one out there for all your furry friends
5

out of 5

POSTED: | BY: CHRISTINE HORRELL

Embrace your pet with this outstanding coverage

1st claim went smooth and fast- awesome service
5

out of 5

POSTED: | BY: Elaine Reiter-Berger

Excellent communication so far

6 months into our new puppy and three vet trips. Embrace has been excellent so far, and communication via email about all reimbursements and claims is superb. They explain everything in a timely way, whether they are waiting for my vet to send an explanation, or they need something for me or not. We are very happy we did not take friend's asvice about not needing pet insurance after our first case of kennel cough!
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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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