Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

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: Iman

Claims

I have had great experiences with timely claims. My dog was diagnosed with seizures recently and I thank God I purchased the pet insurance when I did as this is helping me with her medication cost. You never know what the future holds for your pet so if you can afford the health insurance which for me is only 22 a month, it saves you money in the long run and gives you peace of mind when it comes to taking care of your beloved pet.
5

out of 5

POSTED: | BY: Gina

Wellness Claim

Very fast and easy. I mailed the claim, received an email that they had my claim and received another email with my reimbursement info telling me the check was in the mail.
5

out of 5

POSTED: | BY: kathy h

all went according to contract!!

My puppy had an emergency (neck abcess/fever/compromised airway) requiring emergency vet hospital admission, meds and surgery. And the charges in this area are HIGH....and the post-op medications were EXPENSIVE...and Embrace paid accoring to contract, all correspondence was clear and professional, payment was received quickly after I got the paper work to them...I was amazed! Have had Embrace for 5 other dogs for 1 1/2 yrs, with no claims...well worth it!
5

out of 5

POSTED: | BY: Michelle Connors

Fast Reimbursement

Last year we lost both of our dogs (10 and 15 years old). After dealing with VPI Pet insurance, which they both had all of their lives, I swore I would never insure another pet with them. When we got our new puppy in January, I searched for a better pet insurance company. I found Embrace and have been very happy with them. The reimbursement process is quick and simple. I love the direct deposit option. We are planning on getting another puppy and will definitely insure her with Embrace.
2

out of 5

POSTED: | BY: Rosemary

Glad that I found this.

I have had no problem collecting on my wellness claims. The only thing I wish is I had to do a special test on one of my dogs and they wouldn't cover it. Other then that I have no complaints about this company.
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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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