Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,406

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: phyllis Mandel

Great Communication!

I have been so happy after taking out a policy with Embrace on my adorable Labradoodle puppy. I have been to the Vet several times with an ear infection and other puppy maladies, (diarrhea, vomiting, etc.). The Embracer promptly sends me an email about the claim and within a fairly quick amount of time reviewed my claim, applied it toward the deductable, and refunded any money that was due. I am very happy with the prompt communication and thorough handling of all my claims. Thank you Embrace!
5

out of 5

POSTED: | BY: Patricia and

Efficient

just got word the claim was paid, although I am only writing this days later. Dealing with Embrace folks is pleasant and efficient. 8-)
5

out of 5

POSTED: | BY: vlada

So far so good

I've had Embrace for about 4 years now and have submitted about 5 claims, all minor. No complaints so far. For the last couple of years Embrace has been taking longer to respond, but I assume this is because business is booming. Still, I've never had to wait for longer than 1 1/2 months to have a claim settled, and no service that I expected to be covered has been rejected.
5

out of 5

POSTED: | BY: Tom

Embrace - The Best

Having gone through three other insurance companies, Embrace is finally a company that actually reimburses and follows the terms of its agreement. the deductible is actual ANNUAL, not per visit as was the case with other companies, and they don't reimburse up to their acceptable amount; they have reimbursed on what was actually billed. The service is prompt always, via email. I am very very very satisfied
5

out of 5

POSTED: | BY: Carl Edward

Wellness Welcome

The Wellness insurance option is a great addition. Poppy is the first pet we have insured...and the first we have had a claim on life-threatening event. Embrace was there when we needed it most. And the 'Wellness' component helps make certain you are current on shots and general health exams....wonderful.
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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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