Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Christy

A great company

We have not had any major problems with Elliie so far, but our wellness claims have been handled in a timely manner, and all of the embracers wew have dealy with have been helpful and couteous. Any reimbursements due have arrived promptly as well.
5

out of 5

POSTED: | BY: Alan

Very Nice!

I used another pet insurance company in the past. I am very impressed with Embrace. Claims are acknowledged and processed very quickly. I expected a claim for my new kitten not to be approved because of the time frame of when I purchased the insurance and the issue that was encountered; however this was not the case and the claim was paid quickly.I did contact customer service a couple of times and was greeted by a friendly and knowledgeable Representative who answered my questions without sending me around to talk to several other people. I am very satisfied with the professionalism that I have been handled with.
5

out of 5

POSTED: | BY: Ilene

Augie's Health Insurance better than ours

It seems like our 2 1/2 year old yellow lab has a standing emergency appointment at his vet these past 3 months. AS I've said before, Embrace insurance is better than our health insurance. I'm hoping this is the end of a bad streak for vet visits. I'm glad we purchased the wellness insurance. I hope we get to use it soon!
5

out of 5

POSTED: | BY: Davee

Highly recommended!!!

We have coverage for our dog and cat. I am so pleased with the customer service and quality of coverage. The communication between Embrace and clients is amazing. They keep you informed when a claim is made and update you frequently. The opted to buy the higher level of coverage for our pets and am very glad we did. I highly recomend Embrace to everyone.
2

out of 5

POSTED: | BY: Kian

Frustrating Experience

I have been pleased with how my claims have been filed in the past. The last two claims I have filed have been handled very poorly. My vet faxed the form and statements from the vet office in my presence. I was informed via e-mail from the claim department there was no itemized statements included in the fax. The vet then re-faxed the statements--again the claims department say they have not received the itemized statements.Since there is a large time difference, and I was receiving e-mails, I tried to resolve these issues by responding to the e-mails I was sent. My e-mails were never answered. I have now mailed the itemized statements to the claims department and can only hope these are not also misplaced or mishandled.

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 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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