Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,633

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: Robin

Love the Wellness benefits!

So far I have only had Wellness claims, they have been handled promptly! I'm impressed so far with the service I have received! Direct deposit of claims has been very convenient! I have not had to call or check on my claims, they updated me frequently with the status of my claims. I have not had to use any of my Insurance benefits as of yet but the Wellness benefits have been wonderful!
5

out of 5

POSTED: | BY: Stephanie

Fast customer service

I haven't had my policy for very long, but so far so good! I received very quick responses to my inquiries and the process was explained at each step of my claim.
4

out of 5

POSTED: | BY: john sandy

good coverage /great customer service

I have the wellness as well as total coverage for sickness and accidents. I'm currently going through an illness with one of my babies and embrace has been excellent so far. im happy with my decision to change over to embrace.
5

out of 5

POSTED: | BY: Rhonda

Can't beat the Wellness buck!

I take my 2 dogs to the vet each year. The Wellness bucks really help take the sting out of the bill. My claim is handled so fast. Check is here before I know it. And, the best part is knowing that if one of my babies gets ill, they have pet insurance to cover their illness. I take a higher deduct and higher coinsurance so my premium is really quite low for the insurance with all the discounts. I've only used Wellness Bucks and hope that's all I ever need.
5

out of 5

POSTED: | BY: joe miner

Embrace Number 1

Knock on wood, I only have had to use the wellness part of my plan. Both times the response has been quick in dealing with my claims. Checks arrive when you said they would,that means a lot. Someone is always hearing about Embrace through word of mouth. Keep up the good work and hopefully you don`t here from me for another year!!. Thank You.
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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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