Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,172

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: Cheryl

Excellent, prompt and through!

If only human health insurance had such great customer service! I have been a customer of Embrace pet insurance for a couple of years and have found that their claims submission and reimbursement process worked seamlessly as promised. They are always professional and promptly notify you when a claim was received and when it will be paid. Although their rates may not be the cheapest out there, they deliver exactly as promised. Their process is simple and straight-forward which is exactly how any kind of insurance should work.
5

out of 5

POSTED: | BY: Penny Kellogg

Great communications

I was very happy with the way my very first claim was handled. One of the best features was how the company communicated with me letting me know they received it and was working on it, then that the check would be mailed. Also I appreciated the little time it took to process my claim. Thank you
5

out of 5

POSTED: | BY: Jamie Schwartz

Great Wellness Plan!

Embrace recently added a wellness plan that is fantastic! My dog, Eddie, recently went in for his annual physical where he was tested for heartworm and also issued a year's worth of the heartworm preventative. I faxed in the claim sheet the next day and 2 business days later the money was automatically deposited in my checking account. I was also emailed several times throughout the process making me aware of what stage my claim was in and when I could expect my reimbursment. Couldn't ask for a more seamless, speedy, efficient process than that! I can only hope that I will never have to use the insurance for anything other that wellness, but if need be, I know Embrace will take care of both Eddie and I. Thanks for being such a great company and giving me a great peace of mind!
5

out of 5

POSTED: | BY: Sylvia Thomas

So far, so good!

I conducted extensive research before purchasing pet insurance for my 3 dogs. I chose Embrace for the detailed explanation of what was and was not covered. I recently had 2 of my dogs neutered and withing 2 weeks of submitting my claim, I received both checks for the $200.00 wellness reimbursement for each dog. Embrace representatives continually kept me posted on the progress of the claim and to make sure that I had received the reimbursement checks. I'm glad I chose Embrace and would recommend them to other pet owners. Their rates are very competitive and the items that are covered and not covered are spelled out in plain terms.
5

out of 5

POSTED: | BY: Dianne Atkins

Fabulous

I am in AWE! Embrace is fabulous and I am telling everyone I know about it. I've requested some pamphlets so I can bring them to dog shows and give them to everyone I know. I have had pet insurance in the past and it has never compared to Embrace. The insurance is exceptional, the price is reasonable and the agents are just wonderful to deal with. I am so lucky I found this insurance!Thank You - please don't change!! Dianne (MyOtie's Bernese Mountain Dogs)

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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