Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,380

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: Chris Deacon

Excellent Customer Service

My vet faxed a well claim for our golden Retriever on Jan 19th. I received a confirmation that Embrace received the claim a few hours later.I just received an email, on Jan 27th, stating that I should be receiving a check within 10 day. I had VPI insurance for out previous dog and I am very happy that I found Embrace.VPI took much longer to process claims.
5

out of 5

POSTED: | BY: mary ziegler

great service

I have had insurance for 6 months for my lab pup. response time regarding claims is fast and efficient. E mails are sent letting you know how the claim is progressing. Friendly and courteous. I am glad i chose Embrace as my pet's insurer.
4

out of 5

POSTED: | BY: christine Iverson

I am glad I ave Embrace Insurance

I like Embrace, They get back to you right away when you fax a claim in.
5

out of 5

POSTED: | BY: Annie Binder

These guys are the Zappos of pet insurance

I can't believe the outstanding customer service provided by Embrace! From start to finish, the staff was helpful, friendly and efficient! They helped me pull my dog's paperwork together and stayed in close contact throughout the entire process. I am truly impressed and appreciative. Thanks for everything!
5

out of 5

POSTED: | BY: Kyle

Reliable; Strong Communication

So far I've been impressed with Embrace because:a) They get it right the first time. b) They keep you informed of when they receive documents, when the claim has been processed, and when you can expect to receive reimbursement. This is how a business should operate. Unfortunately, these days it is surprising when a company actually does what it is supposed to do and also keeps you informed.
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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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