Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,243

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: George Purtell

Very good Pet Insurance

This is not the first pet that I have insured through embrace. My last dog was also a labrador retirever. My last dog ultimately lost hois 18 month battle with lymphoma. During that time I never had any problems with embrace. They covered everything thaat i had expected them to and they processed my claims very efficiently. The only negative comment that I have is a minor one. When I filed my last claim a few weeks ago my options were to snail mail the claim form and receipt or fax it. I faxed it. The claim went through just fine. There werent any issues. But, I always get a little uncomfortable sending a fax. I wonder if it actually got there. I wonder if it got to the correct person. They used to receive claims via email. I am not sure why they do not do so now. But that s a very minor concern. I highly reccommend Embrace Insurance
3

out of 5

POSTED: | BY: Bill

Insurance

Look, Embrace is an insurance company, a business. The number one priority of any business is to earn a profit. Embrace is no different.Embrace has excellent communication about the status of the claim. They can, however, require a great deal of paperwork on the first illness/accident claim. The process is a little slow and the reimbursement is, well, like I said: Their first priority is to turn a profit. You can read between the lines. Do your homework. It's insurance for pets and is optional. No one is forcing you to purchase insurance for your pet.
5

out of 5

POSTED: | BY: Dee

Awesome

Embrace is the absolute best insurance provider, all 4 of our pups are covered, the wellness coverage is awesome, the illness coverage with Embrace is Awesome, the customer service is Awesome, the claim processing is awesome. I sleep better every night knowing our 4 pups are insured with with Embrace which is Awesome too.
5

out of 5

POSTED: | BY: Sean Carchidi

First wellness claim a success!

I bought the wellness plan plus knowing that I was going to be visiting the Vet many times for puppy shots etc. the Wellness plan is sort of like a savings account you can pull from early. The $400 allowance will go a long way! Also, the money requested had a quick turnaround!
5

out of 5

POSTED: | BY: Curt Fauerbach

Incredibly fast claim payment

My first claims were for wellness check ups, and were received within a couple of weeks. Embrace always has immediately followed up on all correspondence and I received an email right after the claim payment making sure the payment was received and asking if there were any concerns. This is great business.

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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