Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,979

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: Lori messner

A+ So Far!

I purchased an insurance policy last month for my dog - essentially to cover expenses in the event of a major accident or illness. So I can't comment on the insurance plan since I haven't needed to use it (and hope I never do). I also purchased the Wellness plan and submitted a claim (annual vet visit, shots etc). Customer service is excellent. Promptly acknowledged receipt of claim, how long it would take to process, etc I received confirmation of reimbursement last nite. The entire process took about 10 days and I am happy with how easy and effortless it was.
5

out of 5

POSTED: | BY: mario basso

I like embrace pet insurance

Very fast responce to claims for luckys flea meds.
5

out of 5

POSTED: | BY: Barbara Carney

So far, so great.

This is my first experience with pet insurance, so I did quite a bit of research before choosing a plan. I really like the wellness option of this policy, it is similar to a health saving plan with the insurance kicking in 50% of the benefit - can't beat that. I have submitted one claim for my puppy's first vet visit and my entire visit was covered by my Wellness benefit. I appreciate the personal communications I receive from the company and also today I received an alert about dog food recalls, which was very timely, since I am in the process of transitioning to a new kibble. I am liking this insurance and will recommend it to my vet.
5

out of 5

POSTED: | BY: Steve P.

Quickly and Fairly Handled

Scanned and submitted the claim by email. Was not a major claim. Handled fairly and the agent kept me informed about the status.
5

out of 5

POSTED: | BY: Theresa Santore

Always Great

Every experience I've had with Embrace has been pleasant and the customer service representatives are always helpful.
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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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