Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,772

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: betty grauer

Confused

I thought the wellness & Illness were two different claims.He had his wellness check up a few months ago.This claim was due to sickness,Poor boy was throwing up & crying as if in pain,Could you please explain difference in the two types,Meaning Illness & wellness.I have always been happy with this insurance just not sure of the difference between the two now.I've never used the illness plan before. Thank you Betty Grauer
5

out of 5

POSTED: | BY: Janice

Very Prompt Service

Embrace's Claim Service is always very prompt. The claim representatives are always very courteous and answer any questions I have. Thanks Embrace!
5

out of 5

POSTED: | BY: Xanthe

Very Happy with Wellness Rewards Plan

I purchased the Wellness Rewards Plan in addition to my insurance, since I knew I would make up the cost and get my money's worth no problem (I get a monthly dose of Revolution for my cat.) For this particular claim, I submitted receipts for Revolution and a fecal exam and was refunded the full amount I asked for with no hassle at all. If you don't mind waiting a couple weeks for everything to process, and if you actually remember to submit your receipts (I just emailed them along with the form), then it's totally worth prepaying for additional Wellness coverage!
5

out of 5

POSTED: | BY: Claudia J

Efficient

Submitted wellness claim on 8/22/14, email on 8/28/14 saying claim was processed and payment was on the way!Neat feature allows online claims tracking. So far, Embrace has not disappointed me.
5

out of 5

POSTED: | BY: Michael Garrison

Great Pet Insurance

We were getting a French Bulldog puppy and since they have been known to have certain issues for the breed, we shopped around for a company that would include those hereditary issues. We chose Embrace. Unfortunately, Tilly hurt her leg at 5 months old. She required surgery for that. We also had a night when she suddenly started slobbering/salivating constantly...streams from her mouth. She's had a "hot spot" on her back and a problem with her ears. Everything was reimbursed under our plan. It was painless and we are really glad we chose Embrace. Reimbursement is based on the bill you paid, NOT what the going rate is for an injury or procedure. So as Tilly is our first puppy together, we are extremely happy with our choice!
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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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