Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,417

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: Beth Carson

1/13 - 2 dogs, 2 claims

It continues to amaze me that the turnaround time for a claim with Embrace only takes 10 days or so. Your company is most efficient and communicates when they receive a claim - when they process a claim - and confirms that I have received the reimbursements. This is a good Company and I have referred you to all my friends with pets.
5

out of 5

POSTED: | BY: Geri Spino

Claim Reimbursement

This is my first claim although I have had the insurance for about 4 1/2 yrs. The service was very fast, reimbursement in a week.The paperwork was handled very professional, but some how I missed the fact that I had to pay the $500.00 deductible plus 35% co-pay, but all in all I am satisfied.
4

out of 5

POSTED: | BY: Barbara Lipari

Pleased with coverage - will renew

Pleased with results of review and being kept advised with e-mails about the status of the claim.
5

out of 5

POSTED: | BY: Susie Mangus

Great service!

I had several claims because I have a puppy. Communication was very clear, they confirmed receipt of claim, updated me throughout the process and when I disagreed with one of their decisions to deny a claim; they really listened and understood my point of view and paid the claim. They are good, honest people who really do love pets.
5

out of 5

POSTED: | BY: Lia Solursh

3+ years of amazing service!!!

We have now had our dog insured with Embrace for over 3 years and we have been totally pleased. They covered him when he had to have emergency surgery for eating pantyhose (bad puppy!) not long after we first signed up with them and their coverage paid for his premiums for a long time! They are quick to respond, fast to process claims, SUPER nice, thorough, and do what they say they'll do. They cover what they agree to and break down your claim response in detail. You can't beat that. I know it's been said before but if only human health insurance was this good, we'd live in a better world!!!
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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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