Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,490

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: Patrick

Great Dental Coverage

Embrace Dental insurance is great. It covered everything it said it would, which is exactly what i want in pet insurance. If you are looking for honest and great coverage as well as extremely helpful service, look no further than Embrace. And what i really like is that if i call after hours i can leave a message and they will get right back to me the next morning. I am extremely happy with Embrace.
5

out of 5

POSTED: | BY: Cindee Tucker

Very happy with Embrace Insurance

I love the ease of turning in the Wellness Claims and the turn around is quick. It's nice to have an Insurance company that is so helpful and the followup emails are nice too. Thanx!!! Keep up the great work. My chocolate lab is a happy dog :) I have alredy refered you to another person and they are happy with the service too.
5

out of 5

POSTED: | BY: Kathryn Smykowski

Awesome

I just submitted a claim for the Wellness Rewards refund and had an awesome experience. I received a confirmation email that they received my information within 24 hours and received the refund within 10 days. Great customer service!
5

out of 5

POSTED: | BY: Julie Eriksson

First claim and no delays problems

My darling 10 month Yorkie became ill suffering from severe vomiting and dehydration. The vet did his part and Embrace came through with no problems handling the claim promptly. I really apprecitated being kept apprised of the claim status with e-mail updates from the Claims Department. When I bought the insurance I was not sure it would be worth it or if the claims would be denied-but I had nothing to worry about. My mind is at ease should I need to use this insurance again (I hope not).
4

out of 5

POSTED: | BY: Sherry

Great Coverage and Customer Service

This is my first illness claim with Embrace since I have started my policy. The customer service was great. Anytime, I had any questions, the person I spoke to would courteously answer all of them. Also, they did a great job of keeping me informed on the status of my claim through e-mail. Once the claim was processed, everything was explained clearly.
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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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