Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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.
2

out of 5

POSTED: | BY: Ben Baldwin

Too Slow - Too Labor Intensive

Premiums have increased dramatically for my dog even with almost no claims. Service and claims were more prompt three years ago. Then the process is so manual it is obviously a contributor to the cost of the coverage. Should be able to fax email in claim and have payment processed more quickly and deposited automatically to a bank account.
5

out of 5

POSTED: | BY: Jen Robinson

Easy Peace of Mind

This is the best peace of mind for your pet. I bring a form with me whenever I go to the vet, then scan it and email it to Embrace and they take care of the rest. The Wellness plan is basically "free" money! Customer service is friendly and their responses and processing is pretty quick. All in all a great company. I have been using them for over a year and my sister has been using Embrace for her 2 dogs for several years now.
5

out of 5

POSTED: | BY: Abby Volin

A breath of fresh air in the insurance world!

Embrace's claim explanations are timely, you keep the customer posted on the status and coverage is straightforward. I took out the insurance policy for my pets so that I would never hesitate to take them to the vet or authorize treatment. Embrace has lived up to its word and I tell all my friends about this company.
5

out of 5

POSTED: | BY: John L

We're happy.

Our Lab was experiencing lameness in his front leg. The Vet took some time to send verification to Embrace, but we still received notification of the refund in three weeks. We are quite pleased with the folks at Embrace.
5

out of 5

POSTED: | BY: Ilene M

The Best As Usual

Augie, our yellow lab who just turned 3 years old, had eaten something and spent the day at the vet's office. Spent the next five days at home on a bread and water diet. The claim was submitted the next day (7/23/12) and we received payment directly into our account on 8/16/12. As I've mentioned in other reviews, we own a dog grooming shop and hand out pamphlets to our customers for Embrace insurance. We refer people at our dog park and at the dog beach. We couldn't be happier. Thank you Embrace!
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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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