Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,003

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: Janice

Excellent caring representatives

The adjusters worked tirelessly to overturn a pre existing condition that was not really a condition at all. They reviewed all the vet’s info and letters and agreed that Hannah’s problem was not ever a medical or behavioral problem. Then they overturned the pre existing on her record. The adjusters were fair and worked hard, with kindness and good cheer. I recommend this company to all pet parents. I feel secure in the knowledge that if there is ever is a claim to be made, it will be handled with the same care. Awesome representatives and adjusters.
5

out of 5

POSTED: | BY: L.

Best Money You'll Ever Spend

A high deductible policy from embrace is the best money you'll ever spend. There's nothing like the relief that comes when the e-clinic pushes a $3,000 estimate across the table and you only have to worry about $1,000 of it. Also remember, people who never file a claim haven't 'lost' their money. Getting more money back than you paid in is never a positive when it comes to insurance - it' means you had something horrible happen like totaling your car or having your house burn to the ground. In sum, get pet insurance, get it early and keep paying it and hope you never use it.
5

out of 5

POSTED: | BY: Hannah

This was easy and fast.

The claim process was so speedy and very easy to follow.
5

out of 5

POSTED: | BY: Annette

I recommend Embrace Insurance for Pets!!

I would surely recommend Embrace Pet Insurance company to other pet owners who wants the very best for their love ones.
5

out of 5

POSTED: | BY: Maria

Claims processing

Processing claims is easy and fast! The review generally takes one day, then they send your claims results. Rebursements are given quickly too!
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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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