Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,286

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: Donna

Very helpful staff

I am always a bit behind in sending in my claims but the staff is always so helpful and responds quickly. I honestly think that is so important in addition to the great coverage for our dog.
5

out of 5

POSTED: | BY: Stephanie

Easy Wellness reimbursement

Simple and FAST Wellness reimbursement!I mailed the bill from our vet for a vaccine, heartgaurd and frontline to Embrace and I had a check in the mail for the full amount in a week! What an easy system- no fighting with customer service reps, no letters of justification… just the service they promised- delivered immediately. I wish they offered human policies!
5

out of 5

POSTED: | BY: John Jensen

Embrace lives up to its advertising

I have a new puppy that needed her first wellness exam. I found the claims process to be quick and easy. The long time taken to complete was because my faxing was corrupted and re-sending was delayed as I went on vacation. My follow-up phone calls to get the claim on track were more than satisfactory and the Embrace representative was caring, knowledgeable and professional. My one disappointment was that Embrace did not contact me that the faxed forms were received corrupted, I only found this out when I made a follow-up call to check status. This prevents me from giving a 10 rating I researched several pet insurance companies and thus far I am very pleased that I chose Embrace as they deliver as advertised.
5

out of 5

POSTED: | BY: Sweetheart

Embrace is definitely the best insurance out there

I researched pet insurance after my dachshund passed away from a lengthy illness - for which I did not have insurance for. Every month her medical care varied from 800-2300. I was fortunate enough to have a job which enabled me to pay her bills. That said, when I adopted my next dog, the first thing I did was sit down and dedicate some serious time to research all of the Pet Insurance companies. I had it narrowed down to two - Embrace + Trupanion, but after doing detailed research (phone calls etc) I decided Embrace was far superior as far as coverage, price, varied plans and overall professsionalism + friendliness. The peace of mind knowing no matter where I am with my dog, that we are covered and the idea of knowing I can walk into an ER to have her examined and not sweat the bill is a huge relief. The reiumbursment time for claims has never been longer than two weeks, tops. I've now been with them for almost 4 years and have recommended them to anyone and everyone I come into contact with. My dog just had surgery to remove lumps on her head - and the process for filling out the forms is painless (By the way, most vets will do it for you - just email them the claim form and they will fill out the claim and fax/email to Embrace. Easy breezy. And as far as the number one question is pet insurance worth it? See my first paragraph.
1

out of 5

POSTED: | BY: sharon widing

cheap on repayment of well care

embrace ins is very cheap when comes to paying for wellness claims. Charges are high when purchased at vet's yet embrace only covers $200.00!

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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