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: Paige K

Happy with Embrace

I've used the Wellness Plan for both of my Border Collies and have gotten 100% reimbursement for all of my claims submitted. The payment is quick too. I have had nothing but positive experiences so far with Embrace, great customer service. There is always a "live" person to talk to when you call with a question and they always know the answer. Thanks for keeping my babies safe.
5

out of 5

POSTED: | BY: Michael G.

Helpful on all counts!!

Embrace counselors helped me with setting up coverage as well as setting up auto pay and direct deposit to receive reimbursement for clailms. Also alerted me to do an orthopedic exam to eliminate pre existing conditions and prompt reply to questions and truly caring about my pet! People who care and love pets is what Embrace is all about!
5

out of 5

POSTED: | BY: Courtenay N

Extraordinarily fast reimbursement.

I was very surprised at the turn around time of the reimbursement check. Very pleased with the process of enrollment as well.
5

out of 5

POSTED: | BY: Joe

WONDERFUL

Great customer service,fast response with a good reimbursement time. So glad we went with Embrace Thank You!!.
5

out of 5

POSTED: | BY: Arthur Rochester

Speedy Response

Embrace has become even faster to address claims. They provide a complete explanation of their policy along with an itemized EOB. My wellness claim for Pancho's annual physical was paid in full. This is even better than my personal health insurance.
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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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