5
out of 5
POSTED: | BY: EG
So far looking good
Wellness only claims so far, but reimbursed quickly.
4.9
out of 5
Number of reviews 18,666
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: ron
Very good insurance but slow on paperwork
After several claims from stitches, and skin problems, to wellness claims for shots and spaying, Embrace seems to very good at covering everything I feel that they should cover. The only reason I would not give them a 10 out of 10 is the amount of time it takes between mailing the claim and receiving a check. On average it seems to take 4 to 6 weeks.
5
out of 5
POSTED: | BY: Mark Dombroff
Embrace is Outstanding!
Never a question. Prompt payment and they care. Laura Bennett , the President, called me when I asked a question about payment and then personally handled getting me reimbursement.
I wish my health insurer was as good.
4
out of 5
POSTED: | BY: PT
Good honest coverage but slow reimbursements
Embrace gives great coverage for a great price, and customer service is wonderful. They have been very slow on processing claims which has been somewhat frustrating. They apparently got new software back in the Spring but delays are still happening. Other than that, no complaints!
5
out of 5
POSTED: | BY: Ian
Coverage I was hoping for
I have no complaints other than the time it takes to get the claim reviewed, but i think that is to be expected in the any kind of claims review.
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 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.