Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: CL

Fast Reimbursement

My dog went for a surgery and I got my claim approved in 2 days and received the refund check within a week.
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5

out of 5

POSTED: | BY: Alexis Anthony

Thank goodness for pet insurance!

I have submitted a handful of claims at this time and the response time has been incredible. I am so thankful that I decided to get pet insurance for my two cats and dog. My cat has been diagnosed with Addison’s disease and my dog just had a foreign body removed and I would be very hard up right now if I did not have this insurance. The claims process is easy and straight forward and the response time is very quick!
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5

out of 5

POSTED: | BY: Timothy

The claim I submitted was handled by…

The claim I submitted was handled by the agent very quickly and fairly. All of the charges and payments were described well.
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5

out of 5

POSTED: | BY: Donna D

This company is a pleasure to work…

This company is a pleasure to work with. It is easy to submit a claim and a representative is always there to help you. They don't just deny a claim, they talk to you first to explain the situation and many times they will try to resubmit the claim for you.
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5

out of 5

POSTED: | BY: S Y Kuchenbecker PhD

Having a sick kitten is scary

Having a sick kitten is scary, but EMBRACE Pet Insurance removes the financial worries. So easy to file a claim. My veterinarian and her staff supply all the receipts by date for filing a claim and reimbursement is as promised!
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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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