Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

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: Lisa O.

Great Customer Service and Response Time

When I first purchased insurance all paperwork was emailed to me. I couldn't open documents and when I called to ask if they can send to another email, it was done within 5 minutes. No wait time when I call, I speak to a representative right away. I had my dog neutered on March 7, 2014. I faxed claim form to Embrace on March 10th. Received a check for $$400 for my wellness claim within 2.5 weeks. I had 60 days free pet insurance from the AKC. We actually had to use it as my dog ate my husbands eyeglasses and had to rush him to hospital. I sent my claim in the beginning of February. Still have not received a check. Go Glad I did not go with them. Would recommend Embrace. Thank you!!
5

out of 5

POSTED: | BY: Theresa Dio

Pleasantly surprised and impressed

This is the first time that I have submitted a claim with Embrace and they were efficient, fast, and very helpful when I did have to contact them. They also send a follow up to ask if my check was received. They go the extra mile.
4

out of 5

POSTED: | BY: TJ

Great Customer Service!

I switched from VPI to Embrace. What a difference! The customer service at Embrace is wonderful. Reimbursement checks arrive very quickly!
5

out of 5

POSTED: | BY: Coleen

Wow! I'm impressed.

I am so happy to write this review and say that I will tell everyone I know, and my vet, that I couldn't be happier with the way that Embrace handled my 1st claim. They were thorough, communicative, and prompt. They answered all of my questions, worked with my vet and I got my reimbursement check within 4 days of filing the claim. As I said... WOW!
5

out of 5

POSTED: | BY: DESMT

welcomed change

When I got 2 kittens I investigated and read reviews on all the different pet insurance companies. After having a negative experience with ASPCA and my dog I was hoping that all companies were not the same and I could find quality insurance at a fair price. I decided to go with Embrace and their Wellness Plan. I submitted my 1st 7 claims together. Within 1 day I got an email confirmation of receipt of the claim. The following week i got an email saying my claims were processed and the checks were in the mail. Days later I received full payment for all 7 claims.

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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