Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,255

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.
4

out of 5

POSTED: | BY: Mark Flutcher

First Claim

I filed my first claim with Embrace. There were a few hiccups. The fax my vet sent was not received, so I had to resubmit by email. When I called a week later to check on the status, I was told the claim had gotten "stuck in the system." However, I received my explanation of benefits today; and the charges were approved without a convoluted and cryptic calculation of "usual and customary" amounts. The call takers were always polite and helpful, especially Jessica.
5

out of 5

POSTED: | BY: April

Absolutely Amazing Service!

I have a new kitten, purchased an Embrace policy for him because of course, he is a family member. I took him to the vet on 07/20 for a wellness visit. I faxed over my claim form on 07/21 and received an email today, 07/24 notifying me that my reimbursement would be direct deposited into my account today!!! What FAST and AMAZING service. I have always gotten friendly, helpful people when calling with a question as well. Best purchase ever made!
5

out of 5

POSTED: | BY: Christina

Fast, efficient claim

I submitted a claim online for the wellness program. The review and approval for the claim was fast and efficient. The program is absolutely wonderful, and I am very happy that I added it onto the base policy.
5

out of 5

POSTED: | BY: DENISE DUDEK

Honest reliable company

I am very pleased with Embrace Pet Insurance. I am the owner of a pet grooming shop in Encinitas Ca. I will recommend Embrace to all of my customers. I would pass out brochures if I had them. Embrace has been very reliable.
5

out of 5

POSTED: | BY: Glenn Laury

Responsive

You have been very responsive and accessible.
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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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