Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,633

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: Fran

Embrace: Say what they mean and mean what they say

We buy insurance. We get some legalize paper and a promise in return for a premium. Embrace, in correspondence, marketing materials, emails, customer contacts, "say what they mean" and in every health care interaction and claim I've had over the past 12 months, Embrace "means what it says" Its so refreshing. Dealing with Embrace reminds me of simpler times.
5

out of 5

POSTED: | BY: Martina Watkins

AWESOME First Experience!

My first experience with Embrace has been awesome. I took my new puppy in for a wellness visit/vaccines. Within 2 days I had an email from Embrace stating they were working on my claim and I should be hearing from them soon. Not only was I reimbursed for the entire vet bill within a week, I received multiple emails from Embrace Reps checking in to see if I had received my check and if there was anything else I needed. I am glad I chose Embrace to take care of my new fur baby!!
5

out of 5

POSTED: | BY: Debbie Flippin

Best Pet Insurance

Embrace is the best pet insurance I have found. They are quick to reimburse and have the best reimbursement plan available. When I tell my vet how good of a plan Embrace has they are amazed and now they recommend Embrace to their clients. Thanks Embrace if it weren't for you I wouldn't be able to afford the care my pet deserves.
5

out of 5

POSTED: | BY: Jennifer

Quick and Easy Wellness Claim Fulfillment!

We have a four month old Bernese Mountain Dog who has been to the vet several times for his regular vaccinations, plus a small giardia issue. Submitting reimbursement claims under the wellness coverage could not have been easier. I faxed the wellness claim form and invoices together on 6/12/14, and as of 6/17/14 all of my claims have been processed without issue. So quick & easy!
5

out of 5

POSTED: | BY: Daniel (Keiran)

You guys are amazing.

We're so consistently pleased with our choice in Embrace. We tell everyone who will listen to us about your services and how spectacular both your approach to this process is, but most importantly how amazing your staff is. We're getting married this year and being out 3k for this procedure would have seriously hampered our ability to move forward with that but we always would have paid it to keep our precious boy with us. At the end of the day though that's one of the greatest things about Embrace - it makes doing the right thing for our pets the easy decision. Thank you so much.
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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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