Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,312

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: Ernest Lee

Wellness Refund Was Easy

I was very please that all three wellness claims (2 dogs) went smoother than I had expected. The form and fax was easy, the payment back was super quick... I will definitely renew !.... Great Job!
5

out of 5

POSTED: | BY: Mrs. Kathy

We are VERY happy with both the product & service.

We have two rescued sisters. They are a cross between chocolate labs and Rottweiller. They are parvo survivors. They are also happy and VERY energetic. We have been clients of your company since the day we adopted each other. You helped pay for their spaying and thankfully all we've ever had to use you for was wellness visits and shots, but as energetic as Hoy Sum (Happy) and Fi Lo (Joy) are, we are very glad your are there should their energetic natures cause us to require more of you then we want. Thank your for your product and your customer service. I have never had a problem submitting my claims nor in receiving reembursement from you. You are professional, quick and responsive. Thank you
5

out of 5

POSTED: | BY: Lou Ann

Finally a great pet insurance plan

I have tried other pet insurances and there was always excuse after excuse of why they didn't pay but not with Embrace. I have met my deduct on my dog's first injury and they are sending me a check. :)
2

out of 5

POSTED: | BY: Amy Carson

Disappointing Experience

I submitted a claim to be reviewed (my first one) and it took nearly 5 weeks to have the claim processed. Additionally, several weeks into the process, I received an email noting that Embrace needed medical history from another provider and they had not received the info. Therefore, they were going to cancel the claim for insufficient info if I did not produce that information within 4 days. Meanwhile, that was the first that I had heard of the missing info. Five minutes after receiving that email, I received another email conveying that they had received the info and my claim had been processed. To summarize, my first claim process was a disappointing experience, punctuated with poor communication and customer service, and I will think twice before adding my second cat to this insurance policy.
5

out of 5

POSTED: | BY: Sue

Thrilled with Embrace

We got our first dog last month and people recommended getting pet insurance. After getting people's advice and also researching different pet insurances (because there are many & some have horrible reviews) we decided to go with Embrace because it came highly recommended. I submitted my first claim on Monday, received an email on Tuesday that they were in receipt of my paperwork and received another email today that they claim has been processed and a check is in the mail. Amazing! I know I chose the right insurance for my dog.

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 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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