Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,237

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: Cheryl Davis

I made sure I had Pet Insurance this time!

This recent claim is for a wellness visit. However, after paying thousands of dollars for my last two cats that had cancer, I made sure I had Pet Insurance after I got the two cats I now have. When your pet gets sick you don't want to have to worry about the bill. I always recommend to pet owners to get insurance and I always recommend Embrace.
5

out of 5

POSTED: | BY: Debbie

During a stressful time we were glad for Embrac

We could not have been more pleased with chosing Embrace for our pet insurance. Our dog had to have surgery on her ACL. Due to complications she had to have another surgery. We are very thankful for the pet insurance, it made the whole thing a little less stressful. Getting Embrace insurance is worth it.
5

out of 5

POSTED: | BY: Betty

Painless Insurance - Highly Recommend!

I chose Embrace because of the reviews I read and I have not been disappointed. I submitted my claim, received an email when it was received, received an email when the check was mailed with an explanation of the payment, received the check, received a follow-up email to make sure that I received the check. I am very pleased with Embrace Insurance. I hope I won't need to submit a future claim, but if I do I know it will be processed quickly and efficiently.
5

out of 5

POSTED: | BY: George

First Time Claim

I had never reached my deductible for several years, but finally filed a claim higher than my deductible in July 2014. The claims representative sent me a summary of the claims filed prior to meeting the deductible so I did not have to research my own files to see what payment would be forthcoming. That was very helpful. The claim notification and supporting claims review process is clear and easy to understand, and fast too. Only a few days from receipt to final review. Emails received during each step of the process. Very satisfied.
5

out of 5

POSTED: | BY: Brian Moreira

Exceptional all around makes them the best!

We've been with Embrace for a few years and since day one they have been great. The process, service and communication is top notch. We are impressed with the ease of claims and their communication to follow up via email on claims and questions you may have.
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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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