Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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: Bruce

general exams,diet food

I have 3- dogs which I have in wellness programs which pays for diet food,heartworm,flea & tick treatment for two of them and the other dog is a puppy which has been totally covered by wellness,I have so far its worked out great-been in for about 6 months
5

out of 5

POSTED: | BY: Connie

Easy claim process

Claims processed quickly and covered as per terms of the policy. Embrace gives updates on status of claim via email.
5

out of 5

POSTED: | BY: James

Wellness

I purchased Embrace Insurance and Wellness coverage for our new Yorkie Tatum. A week after I purchased the Wellness coverage we took Tatum in for his puppy check up and shots. our vet bill was $110. I submitted my claim via fax the same day. The following day I received an email telling me that they received my claim and they were reviewing it. Within 1 week exactly Embrace deposited the $110.00 into my account. I have never had pet insurance before but I have to tell you that Embrace is very responsive, helpful with questions and the reimburse you very fast.
5

out of 5

POSTED: | BY: Jean Pasqualucci

4 DAYS!!! WOW!!!!

My vet submitted a Wellness claim on my kitten and within 4 days, Embrace direct-deposited the entire amount billed into my checking account. You can't get better service than that!
5

out of 5

POSTED: | BY: Dana Mosello

Outstanding Service

My vet told me when I adopted a rescue that I should really consider Embrace for pet insurance instead of other services. I took a look online and did some research, Embrace was by far the best service for the price for my very active dog. We opted for the wellness and sick/injury coverage. About four months after having our new puppy she swallowed something, spent the night in the ER costing us a pretty penny - well Embrace covered exactly what they said they would not gimmicks, hassle - the reimbursement check was in my mailbox 2 weeks later and they even followed up to make sure we had received it. My own personal health insurance is not that good compared to Embrace and I have one of the leading carries in the US. All in all if you have a furry friend, sign up and make sure its with Embrace.

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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