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: Jerry

Quick Reimbursement

We just started a policy with Embrace. We also signed up for the wellness plan which will refund you up to $400 annually. That week I took our Golden Retriever in for her ortho check-up and vaccinations. I submitted my first claim shortly thereafter for the check-up and received a full reimbursement within 10 days. So far everything has gone smoothly. Very good communications.
2

out of 5

POSTED: | BY: Liana reynolds

Disappointing

A hassle to submit a claim - in this day and age who ever heard of havong to fax a claim? First claim took very long to process. Kitten vomiting was considered a "preexisting condition" and not covered. Canceling my policy
5

out of 5

POSTED: | BY: Anthony

Fast processing again!

I've used Embrace Insurance for over 3 years and they're payment history has been flawless. I would recommend them to all pet owners. A couple of years ago there were some changes and they were taking a long time (40 - 60 days) to pay a claim but that's all been fixed and my last two claims were made in under 2 weeks! That is awesome efficiency! Please keep it up!
5

out of 5

POSTED: | BY: Judy Quillin

the best!

I've been with Embrace for a number of years and several dogs. I couldn't be happier with the prompt coverage and the courteous, knowledgeable service. I was with another company first and switched to Embrace. So glad I did.
5

out of 5

POSTED: | BY: Gerald L

I Love Embrace! You all are Great!

Thank you for such a rapid and timely responce. This is my first time having pet insurance. You all have made it a very good and pleasureable experience. I really ahve to thanlk you for helping me understand how things work. I doappreciate everything and look forward to a better future for Ms. Hailey and you all. Happy holidays anmd a great new years. Gerald L. Walters and Ms. Hailey.
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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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