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: Mina

Wow! What a great company!

I have been a new member for almost a month now for two rescue dogs. Not only have they been upfront about what they will and will not cover (and it is fair), their customer service has got to be some of the best! I get immediate confirmation of my claim submissions and very prompt returns of benefit payments. My dogs have had a few unforseen problems since the adoptions and Embrace has covered everything allowable under my plan quickly and completely. I reserved judgement on them until now (I did give them a preliminary review when I first used them) but I now have enough experience to say I would highly recommend them to everyone!!!
5

out of 5

POSTED: | BY: Shelly

easy claims process; prompt reimbursement

I just completed the process on my first claim with Embrace and it was a breeze. The claim was for an emergency visit due to illness. The company e-mailed me in a timely fashion if additional documentation was needed and kept me informed of where they were in the review process. I work in the health care industry and anticipated problems with obtaining reimbursement, as that is the norm in health care. However, Embrace reviewed my claim and mailed the payment in less than seven business days.
5

out of 5

POSTED: | BY: Judy

nice staff - easy procedures - prompt response

I'm new with Embrace and made my first claim for a Wellness visit. I had the appt. on Friday and even with a holiday long weekend, received an email from them that the entire amount was covered. I'm very pleased with everyone I've had contact with on their staff - they make it very personal - and with how easy it is to understand and complete reports.
5

out of 5

POSTED: | BY: Evelyn

Great Service Easy Process

I just used my Wellness Care dollars for my dog and I had great communication from Embrace and the check for reimbursement of those Wellness Care Dollars came quickly. I wish Human Medical Plans worked this well and had such attention to Customer Service
5

out of 5

POSTED: | BY: Alan

I think the title is just like what we do each day

Our embrace experience has been dexcellent. The folks are patient when we fail to sign our claim form, they work with the vets to get what we forgot to get or need and have given us the peace of mind regarding exdpenses that allow us to make sure our pet get the treatment she needs. It is not about let's wait and see, but let's get this checked out right away.
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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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