Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,857

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.
4

out of 5

POSTED: | BY: Mark Willis

I would have given them 5 stars

I would have given them 5 stars, but they play the same game that human insurance plays with pre-existing conditions. Their wellness insurance is excellent! It reimburses you for all of those expensive vaccinations, rabies, etc... The regular pet insurance is good. I just got a check for $495 for an emergency vet visit. The total was over $1000.00 but pet insurance doesn't usually pay for emergency visits. Claims are very easy to file.
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5

out of 5

POSTED: | BY: Wands Schwerer

I like that finding my claim status on…

I like that finding my claim status on the website is very easy. I also like that your processing time is relatively fast and that I am kept informed.
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5

out of 5

POSTED: | BY: Jenny

Took my dog to the emergency vet

Took my dog to the emergency Veternarian. Submitted my claim. Received compensation right to my bank account. I had already met my deductible. Easy to use.(Easy to submit claims). Staff is extremely helpful and compassionate. Thank You! Glad I found Embrace.
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5

out of 5

POSTED: | BY: Kari Walawender

Embrace has been easy and very quick to…

Embrace has been easy and very quick to get paid for my dogs claims! Three separate claims and got paid the next day or within a few days!
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5

out of 5

POSTED: | BY: Sue

I have had this insurance for a few…

I have had this insurance for a few years now. It is easy to submit the information on line, and the company is excellent on updating you on receiving and processing the claims. They pay the claims in a timely matter, and they let you know if they need more information. ( They have only need more information one time in my 3 years of being with them.) I highly recommend this company. I would not have been able to afford to treat or diagnose what is wrong with my 15 year old kitty, without it!
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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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