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.
4

out of 5

POSTED: | BY: Mary Wolf

Quick and Positive but not always accurate

Embrace staff are friendly and communicative, and their messages to me are timely, their replies to my questions and claims quick. However, they lost all the paperwork for a claim that was both mailed and faxed to them. If I had not asked one simple question that claim would never have been processed. They also confused the information I sent regarding my vet and requested information from vets I have never been to, heard of or communicated with. However once again their response was quick, friendly and professional. It seem to be all straightened out now and I am glad as I enjoy doing business with them overall.
5

out of 5

POSTED: | BY: Helen Peets

Very good.

My first claim in five years and all went smoothly
5

out of 5

POSTED: | BY: Nancie Casey

Willing to Listen

Our claim for a skin biopsy was turned down. I was told it was a pre-existing condition which is was not. My vet's assistant was the one who contacted Embrace and after a few discussions and proper documentation from the vet, the decision was reversed and my claim was covered. I am glad to know that there are people willing to listen and understand different circumstances where our pets are concerned. I received my check a few days after I received an e-mail stating that they were paying my claim.
5

out of 5

POSTED: | BY: Paige K

Happy with Embrace

I've used the Wellness Plan for both of my Border Collies and have gotten 100% reimbursement for all of my claims submitted. The payment is quick too. I have had nothing but positive experiences so far with Embrace, great customer service. There is always a "live" person to talk to when you call with a question and they always know the answer. Thanks for keeping my babies safe.
5

out of 5

POSTED: | BY: Michael G.

Helpful on all counts!!

Embrace counselors helped me with setting up coverage as well as setting up auto pay and direct deposit to receive reimbursement for clailms. Also alerted me to do an orthopedic exam to eliminate pre existing conditions and prompt reply to questions and truly caring about my pet! People who care and love pets is what Embrace is all about!
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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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