Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

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: Sheri

Attention to Customer Satisfaction is Superb

I signed up for Embrace when I got my dog 3 years ago. He's a rescue who was 6 at the time. I knew that he might have some health issues down the road so I immediately got a policy. Since then, he's had 2 total ACL replacements and a couple of minor illnesses and I never had a single issue with my claims. Not only were they reimbursed quickly, someone always followed up by email to make sure I received the check. I have recommended Embrace to my dog owner friends and they are equally satisfied. What a fabulously well run company!
5

out of 5

POSTED: | BY: Janine

Easy

Communication is excellent. No questions or misunderstandings because they make the policies clear cut. I have 2 dogs with Embrace for many years and I am very satisfied. I would not change a thing. I love the fact that Embrace understands how important well visits (checkups and shots)are and they make provisions for that.
5

out of 5

POSTED: | BY: John Chell

Embrace is thorough, efficient and responsive

I was pleasantly surprised how efficient Embrace was in processing our wellness claim. We "adopted" a cat from a shelter and took her to our vet at The Georgetown (Delaware) Animal Hospital on 7/5/13. Embrace guided us through the claims process. We faxed our claim on 7/8 and we received our reimbursement check on 7/16/13 as promised. We would recommend Embrace to insure your pet.
5

out of 5

POSTED: | BY: Mark

Accommodating

Although we have yet to meet our deductible. Embrace reminds us to file claims so that they get applied toward annual deductible. Embrace has been quick to process the claims. Embrace has also been accommodating to me inquiries. We have two dog policies.
5

out of 5

POSTED: | BY: Susan Barth

Wellness Reward

I was very happy with the service I received using my Welness Rewards
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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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