Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,979

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: Joyce Basilone

Love Embrace Pet Insurance

Although my experience with being an Embrace customer is short lived, I have, however, had occasion to make a claim for my 6-year old dachshund who was diagnosed with SARDS. The live interaction with the Embrace employe who helped me through my first claim process was a pleasant one. He was courteous and very helpful in the steps I needed to take, emailed me the claims form. The claim determination took a few weeks, but that is to be expected. I received a satisfactory disposition on my claim and a check is in the mail! Doesn't get any better. I am so glad I decided to go with Embrace and purchase pet insurance for my TWO dachshunds. It provides peace of mind for those unexpected, unwanted and costly procedures which sometimes are required. A happy camper!! Joyce B
5

out of 5

POSTED: | BY: Priscilla

Great insurance

I recently got a Lab puppy and wanted to get insurance for him just in case. Embrace had such good reviews I decided to try them. They also have a wellness plan which thankfully is all I've used so far. To be reimbursed was a breeze and the check came right away.
4

out of 5

POSTED: | BY: Regina Tracy

Embrace is a great investment

Good customer service with pleasant people on helplines. They processed my claim quickly. Sadly, I had a major expenditure that was not covered as it was discovered during the waiting period, but overall an important resource to have if one has pets.
3

out of 5

POSTED: | BY: Theresa Fitzpatrick

EW0003-4543 on 8/16/2013

This particular claim was processed very quickly; direct deposit made things even faster - just days. My other claim is still pending and was submitted the same day - I haven't received any further communications about this other claim since... I would have liked more detailed explanation on both claims viewable online because if additional information is needed by the Vet then I can make a call to push things along. VIP Pet Insurance handle this process much better and that was many years ago when technology wasn't at all what it is now. Theresa I'm halve satisfied with the process so fare. I cant recommend Embrace yet as your 1 for 1 on claim processing and communication.
5

out of 5

POSTED: | BY: Colette Nunes

Embrace always comes through !!! They are the Best

Everyone that has a dog should get insurance just like you do with the rest of the family, and embrace is the best one out there for all your furry friends
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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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