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: DJW

Fabulous

our little fella has hip dysplasia and Embrace has been fabulous. I will FOREVER recommend Embrace for providing excellent coverage, customer service and prompt claim processing. They are WONFERFUL and did I mention FABULOUS!!!!
1

out of 5

POSTED: | BY: Jen Rhodes

difficult to process a claim and get any money!!

They make you go through so much to get reimbursed. Basically, they hope you give up. With all the time I put into processesing a claim I could have worked those hours and made more money to pay for my vet bills. TERRIBLE
5

out of 5

POSTED: | BY: Cathie

Wish my health insurance was this responsive

This is my first experience with pet insurance and so happy I chose Embrace. The Company proactively followed up on my claim for my puppy's well visit and a check was sent to me right away.
5

out of 5

POSTED: | BY: Katherine Foster

great service, & fast turnaround time on claims!

Wellness- I filled a wellness claim for my four and half month old min pin. He was nutured, microchipped, received two shots and some pain medication for the surgery it was a little more complicated than orininaly thought so he was given pain meds and antibiotics to go home with also his monthly heart worm treatment which was all covered in the end his final bill was 229.00And our refund was 224.83. I filed the claim on Monday the claim was done by Friday that same week! I couldn't ask for faster service than that!
5

out of 5

POSTED: | BY: Ernest Lee

Wellness Refund Was Easy

I was very please that all three wellness claims (2 dogs) went smoother than I had expected. The form and fax was easy, the payment back was super quick... I will definitely renew !.... Great Job!
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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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