Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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: Mary

Wouldn't be without it!

We have two dogs, both of which have been covered from the moment we adopted them. We have both the insurance and wellness coverage, and I couldn't be happier. Embrace has made everything simple... Getting started took a 5 minute phone call and a very simple form that my vet filled out. A claim form takes no time at all - I actually spend more time writing the address on the envelope than filling out the form. And after I mail in my form within a few days I get an email with a status of the claim. I can check my status online without needing to remember a password. I get emailed updates when the status changes, and every representative I have ever dealt with was very friendly and helpful. My wellness refunds have been quite fast - within a week or two of filing a claim. The claims for injuries have taken a bit longer, but they do contact me to let me know that it is still processing. It's really nice to have the peace of mind that the insurance offers. I know that I can take my pet to the vet if needed and don't have to stress about money - which is the last thing you should have to worry about when you are talking about the welfare of your best friend. I
5

out of 5

POSTED: | BY: Maureen Bland

So Easy

Joe had an ear infection. Submitting the claim was so easy, the hardest thing was to remember to bring the form to the vets (and even when I forgot I called and you faxed one over for me. The whole process was fast. I knew it would be applied to our deduction, as we hadn't used it yet. But overall thrilled with the whole process!
5

out of 5

POSTED: | BY: DeDee Ratiner

Very Satisfied

I have been paid fairly and promptly for all the claims I have made
5

out of 5

POSTED: | BY: Robin Star

Finally, an ins. company who reimburses

This is my 3rd pet insurance company and I am thrilled to have received a reimbursement check. The only thing I received from the other companies were excuses. Thank you for fulfilling your promises.
1

out of 5

POSTED: | BY: Raquel roiz

Bad service

I submitted three claims through the vet and so far they denied the claim. Sure my money's good and they take it. Once i summit the clsim i get a sorry letter. Just to remind you guys i am fully paid till mext month. This insurance just like to steal money from people and don't pay out. I am going to cancel this crappy insurance and find another one
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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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