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: Darlene Smyth

So comforting to know Embrace is there for our dog

We have so far only used the Wellness Benefits and those reimbursements have arrived promptly and in the expected amount. The Embrace contact people have always been friendly, knowledgeable, and easy to contact. Very customer oriented. Of course, they end each call with the encouragement to give our Nickie a belly-rub for them. I hope I never have to use the policy to collect on treatment for a major illness but I am so glad to know we have that protection for Nickie if he needs it.
5

out of 5

POSTED: | BY: Theresa Gregory

Fast and friendly!

My four kitties are covered with Embrace for both wellness and sickness/injury. Thankfully, I have not needed to make a sickness claim as of yet, but if the quick payout of their wellness claims are any indication, I know we've joined up with the RIGHT insurance company! And customer service has been quick with help AND friendliness as well! Only praise for Embrace so far!
5

out of 5

POSTED: | BY: LeAnne

Always Impressed

Yet again, I am happy with the service that I received with Embrace. Originally my claim was denied, but since Embrace allows you to work with real people who contact you personally, I was able to explain the situation further, get additional information from my vet, and submit it to Emrace. Just a few weeks later the claim was covered. It's so refreshing to see a company let their employees make decisions based on information and logic - not bureaucracy. Thanks again!
5

out of 5

POSTED: | BY: Joe Morganto

Superb Service from Embrace

Embrace continues to impress me with their thorough and very fair evaluation of my claims. We have two dogs and we have been experiencing a problem with Giardia (sp?)that may have been passed from one dog to the other. Embrace provides me with the status of claims while being reviewed and then provide me a very clear Explanation of the Benefit and why it was handled the way it was. Great communication.
5

out of 5

POSTED: | BY: Cheryl Huddle

Great Reimbursements!

Not only was my claim handled quickly...my reimbursements are always more than I expect!
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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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