Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: Gary Krumm

Great company

They stood behind what they preached. Our 9 month old puppy suffered a blow to the head from one of our horses. We would up loosing him after he was in a coma for 48 hours. No questions asked after we submitted the claim. Received a check in the mail and a sincere email for out loss of our friend. We miss our puppy a ton and when the time is right our next pup will have the same insurance.
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5

out of 5

POSTED: | BY: Sheldon Cantor

very smooth process for filing claims

very smooth process for filing claims
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5

out of 5

POSTED: | BY: Rebecca

Embrace has saved my life financially~

My ONLY 2 complaints are : They changed their holistic coverage, its covers much less. Really not enough for what is needed. They only cover 12 acupunture OR chiro OR laser, per condition, per year. So my dog who has arthritis, can only have 6 laser & 6 accu in 1 year. Also, the cost goes WAY up when your pets gets older :( I had a 25% increase last year & a 23% increase this year. BUT, i had 27K in claims in a 9 month period, all 80% covered, a couple years back. Then another 17K in 6 months time, also all 80% covered. Thank GOD! The claims process is SUPER easy once your pet is established & each condition is in their system & my refunds come super fast.
5

out of 5

POSTED: | BY: George Selekman

Online claims processing is very…

Online claims processing is very straightforward and easy to use; with minimum amount of time! I have been with Embrace since May 2015. They have been very responsive ever since including my reimbursements!! I would recommend them to anyone..
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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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