Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,237

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: Celine Wulms

Best pet insurance by far ***

Our Bernese Mountain dog puppy was diagnosed with ED/ and HD. She needed her Elbow surgery asap as she was still young. Embrace helped us all along the way. We had many questions and each was answered promptly. The surgery was pre-certified in a couple of days and after her surgery we claim was processed very fast. I can't say enough good things about Embrace. This is such a professional but also kind team - they care about our animals as much as we do. Five stars here *****
5

out of 5

POSTED: | BY: Bill Mouro

Happy Embrace Exists

Regardless of the premium, its well worth the investment.Vet costs are through the ceiling and catastrophic care is the most expensive a 4 to 5000 vet bill in some cases would end up in euphuism and that's not a choice I would want to make. And Some vets will allow assignment in lieu of euphuism. What a blessing. Embrace has a good name. In my opinion you cant go wrong. Dogs Cats just love o get into anything and that at times is very costly. If a person thinks Dogs and Cats are expensive own a African Gray Or a Macaw or any other exotic bird Know that's a costly pet.
5

out of 5

POSTED: | BY: Liza P

Wellness Claim Quick and Easy

I filed my dogs wellness claim, he was neutered. I faxed in my paperwork and a week later my claim was reviewed and reimbursement check was issued. Quick and easy! No jumping through hoops! I am extremely happy with the sevice this far.
5

out of 5

POSTED: | BY: Debbie

Happy with claim processing

We have 2 small dogs and after being completely healthy for over 3 years, they both suddenly had health issues that necessitated multiple vet visits and medical procedures for both. I have been completely happy with the reimbursement of all of these claims, and appreciate the email updates during the processing. At one point I didn't understand the status indicated on one pending claim on their Embrace portal, and a customer service representative explained it fully and quickly by email. My only dissatisfaction is with the price of the premium for us this year; we are a military family and after living in the central US have been transferred to southern California and our premium prices were increased astronomically due to our geographic area.
5

out of 5

POSTED: | BY: Theresa

wellness and injury claim quickly expedited

Embrace was very fast and efficient in processing a claim for both a wellness visit and for an injury.
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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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