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: Susan Ani

First claim processed very quickly

I enrolled my pup in the Embrace insurance plan after spending considerable time researching all the pet insurance options out there. One factor that was important to me was the service I would expect to receive once I paid my premium. And I was not disappointed. Indeed, I was overwhelmed with the speed and accuracy of handling my first claim, which was for my little guy's annual wellness visit. I did my part, supplying everything in documentation that Embrace requested. In return, I received my reimbursement check in less than a week. Awesome. And emails from Embrace kept me updated on the processing of my claim: unexpected but very appreciated. They even suggested that I give my Bobo a nice tummy rub just for good measure. (I followed their suggestion!)
5

out of 5

POSTED: | BY: Amy Scott

Great customer service and response time is quick.

I am a new customer of Embrace and have 2 puppies. Lots of appts with the vet for shots, worms, ear infections, etc. I have sent my invoices in and had a response the next day and a check shortly after that. I am very pleased with Embrace and highly recommend them.
5

out of 5

POSTED: | BY: TSS

Great Customer Service, Quick Processing

I recently made a claim. Embrace contacted me through every step via email to let me know that they received my paperwork, processed the request and issued the payment. I received a check just 3 weeks after submitting the request. I am impressed and happy that I chose Embrace :)
5

out of 5

POSTED: | BY: Masami Kerby

So easy

I changed from Banfield to Embrance.Wellness plane is excellent and easy to claim.Thank so much for the great service.
5

out of 5

POSTED: | BY: Chris

Very easy process

We just made and received our first claim under the Wellness Plan. The process couldn't have been easier and everytime I needed to talk to somebody on the phone, the customer service rep was very helpful. The reimbursement check came faster than they promised. Thanks again.

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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