Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,490

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: Crystal

So far, so good

Haven't actually had to use my plan yet, but have been very satisfied with customer service. Had several questions before purchasing the plan (have it for 3 dogs) and did alot of comparing. This is what worked for me and gave me what I wanted. They are straight forward and no hidden small print. They took longer then planned to process claim but kept me updated the entire time. Again, can't say enough about customer service!!
5

out of 5

POSTED: | BY: Dr. Dalton

Very Satisfied

I have had policies on two of my three cats for 2.5 months and these are the first pet insurance policies I have had despite having cats all my life. My experience with the other uninsured older cat and her intestinal cancer led me to getting coverage on the younger two. The youngest went into acute respiratory distress and I took him to an emergency 24/7 clinic. The care was prompt, professional, and seemingly clinically appropriate. Too bad our emergency rooms cannot be as effective. He was there two days and in my opinion was saved as a result of the intervention. The total cost was $1060. I filed my first claim and one month and 2 days later from mailing received the check. The amount was accurate and the Explanation of Benefits was clear and understandable. Again, too bad human health insurance cannot do as well. I am very pleased with this outcome and would strongly recommend Embrace Pet Insurance and the clinic that saved Max (my cat).
5

out of 5

POSTED: | BY: Keith Bannister

Wellness Claim #2

As easy and fast as the first one. I had my vet fax everything in and within days the money was deposited back in my account. The nice thing is that Embrace always follows up to make sure you received your deposit. My experience since October has been great!!
5

out of 5

POSTED: | BY: Harold Pickett

Better than my Personal Insurance

I am amazed that my claim can be submitted, reviewed, and a payment issued in one day. I don't even get that kind of service from my personal insurance. I think Embrace needs to give Blue Cross and Blue Sheild some lessons on customer service. Your question below that asks if I would recommend this Company is definitely a yes and as a matter of fact, I already got my neighbor to sign up.
5

out of 5

POSTED: | BY: Alice Winfree

*Instant* turnaround with refund! :)

This afternoon I purchased 2 flats of prescribed canned wet food for my special-needs rescue kitty-girl. The total was $111.74 & I was grateful to my vet's assistant for faxing in the claim to Embrace immediately upon my purchase. When I got home about 2 hours later what to my wondering eyes did appear but an e-mail showing *same-day* claim reimbursement via direct-deposit of the full amount of the claim!!! WOW is all I can say - as well as "thank you Cynthia Hokes for your excellent professional handling of my claim!" I really need every penny especially this time of the year. Many thanks Embrace Pet Insurance!!!

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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