Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Debra Harrington

This was the wisest decision I’ve made…

This was the wisest decision I’ve made as a pet owner. EMBRACE was the insurance company my Veterinarian advised me to purchase. He explained how user friendly they were. How they covered what the policy states, the claims were simple, and the reimbursement was almost instantaneous. He was 100% correct! I highly recommend EMBRACE to all pet owners!
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1

out of 5

POSTED: | BY: Amanda King

I signed up after I seen no wait period…

I signed up after I seen no wait period online..my dog had what we thought was an infection and was dying.. She ended up having colitis..still an emergency..then was told we didn't qualify cuz it wouldn't start til 2 weeks later and I asked if I could restart claim later and was told no..This was an emergency and unexpected bill that I couldn't afford atm..not something that is typical for me..they told me I signed something in tiny print sating I would have to wait..then why state online there wasn't one
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5

out of 5

POSTED: | BY: TOM COSTANZA

Great Experience

Embrace makes it easy to file the claim and I had a check within 2 weeks of the filing.
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5

out of 5

POSTED: | BY: Barb Huffstutler

My claim was processed really fast

My claim was processed really fast. It was so easy to file a claim and upload the documentation from the vet. Embrace reimbursed me for exactly as described in their policy.
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4

out of 5

POSTED: | BY: James Knapp

The person that I talked with was good…

The person that I talked with was good enough to find the answers to my problem even though it was not the answer I wanted.
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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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