Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: J Haskett

Dr.Scott, the best of the best Veterinarians in Billings Montana

Dr. Scott is not only thorough, but very kind and understanding. Our dog was diagnosed with gastroenteritis. He gave our dog 2 antibiotics. We were so scared last week that we we would lose our Great Pyrenees. He called the next night to check on him. I would encourage anyone who is looking for a different veterinarian to take care of their pets, to contact him at the animal clinic of Billings. Many staff there are so compassionate.
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1

out of 5

VETERINARIAN: Long Island Animal Hospital

POSTED: | BY: Chris

Terrible

This insurance company is a scam. Me pup had a mass in her stomache removed. Last year in chart it said dog has black mass ( which was not a mass but spot). They would not pay bc she already had a Mass on her. It was never even removed. So it doesn’t matter now to bother bc any other “mass” she gets they won’t even pay for. Why bother having insurance??
3

out of 5

POSTED: | BY: CSD

Easy to submit

Easy to submit, but so slow in processing claims.
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5

out of 5

POSTED: | BY: Rich

Going great.

So far, the claims process has been easy and I received payment for the 1st claim.
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5

out of 5

POSTED: | BY: Richard Heathcote

This should be your pet medical…

This should be your pet medical insurer. Quick, easy-to-navigate process for submitting claims. The ability to add extra text in addition to the pulldown diagnosis list is especially helpful.
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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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