Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,397

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: Evalynn Hyra

Wonderful coverage and service

I signed both my dogs up for the "catastrophic" coverage ($1000 deductible) plus Wellness, which is a very good deal. Embrace customer service has been excellent, and payment for claims has been prompt. I highly recommend Embrace, which I selected after my veterinarian told me about it and I compared it to other insurance plans.
1

out of 5

POSTED: | BY: Sue Snead

Worst experience ever.

Would not recommend this company to anyone. Continually asks for same information, over and over. Vet faxed information over 4 times. When Embrace could no longer deny they had the vet information, they then said they did not have copies of the claims. Claims miraculously appeared and then they came up with excuses not to cover the expenses. Claims took EIGHT MONTHS to handle.
5

out of 5

POSTED: | BY: Gayle Staner

Prompt Response/Excellent Service Everytime

I have been a customer for over a year. Every claim submitted is paid timely. Turn around is so fast. This morning I received an email stating our claim was received. This afternoon I received another email stating my claim was processed & I could expect payment in 2 days. Even during normal processing times I would get email updates. Embrace has been a fantastic company with which to work.
5

out of 5

POSTED: | BY: Lee

fast service

I only wish health insurance for humans work as well and as smoothly as this service. At this time I would fully recomend Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Jeannie

Wish I purchased this for my other Boston Terrier

Embrace pet insurance goes above and beyond to assist their customers, and they make you feel as if you are family! I purchased embrace pet insurance for our new Boston terrier puppy in October. She has been to the vet, and embrace has covered everything they promised, and are prompt with sending you reimbursment! Can not say enough great things about them!!!
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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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