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: Fritz

Dermatologist

After finding out that skin/dermatology was covered under my insurance I went ahead and scheduled an appointment. The vet faxed the claim information the same day; however, after 3 weeks of not hearing from Embrace I called them to check on the claim. The representative I spoke with was great and asked if I had checked my "spam" mail folder because sometimes emails get directed there. I did and found my correspondence from Embrace. Great customer service. If you have a question they rep is easy to talk to and can explain terms clearly. Thank goodness for pet insurance other wise I'd be paying a lot more.
5

out of 5

POSTED: | BY: Brandon Rush

Prompt Review of Claims

I've been using Embrace for the past few years for both of my dogs. Their review of my claims has always been prompt, communicatiion at each stage of the claim process has been clear, and payment was turned around in a very reasonable 2 weeks time. I previously used VPI, but I find the service and staff at Embrace to be more responsive and the coverage options better tailored to my needs. The staff clearly cares as that comes through in all if the communication. In this particular case, one of my dogs developed optic neuritis, which required many visits to the vet for treatments. Thank you Embrace for your warm and prompt service.
5

out of 5

POSTED: | BY: Melissa

Pleased with our coverage

We have a young brittany spaniel who occasionally gets herself into trouble and has sine anxiety issues when she is left alone and it's not part of her normal workday routine. Embrace has been so good for us, as they have covered the veterinary blips our little one has run into, and, on top of that, they have covered acupuncture to treat her anxiety issues! It has been absolutely wonderful.The only "issue" I have had with the company is that I will check my claim status online and it will say closed, and I haven't heard from them about the status of my claim. In these cases I have emailed them and they have gotten right back to me advising me that my check is in the mail, and I've always received it a few days later.
5

out of 5

POSTED: | BY: Reid, Larry

Thank you for caring for our adopted older pet.

The insurance rate per year is the best out there. It may be raised after extensive and long treatment and is worth it.
5

out of 5

POSTED: | BY: Keith Taylor

Awesome

We had our puppy neutered and microchipped. Our vet's office submitted the claim. We set up direct deposit for claim reimbursement. Three days later, we received an email detailing our reimbursement. On the fifth day following the procedure we were reimbursed. We called in advance of the procedure to ensure our policy would cover the procedures. The gentleman was very friendly and helpful. We are new clients of Embrace and are extremely happy.

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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