Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Matthew

No automatic electronic reimbursements

Timely response to claims but the check reimbursement is not convenient. All claims should be automatically reimbursed electronically. Embrace should store bank info to allow automatic EFTs for reimbursements.
5

out of 5

POSTED: | BY: Katie

Embrace Pet Insurance is easy to use

Embrace Pet Insurance is easy to use, and very fast to reimburse our claims!
5

out of 5

POSTED: | BY: Stephen

Our dog had some health issues going on…

Our dog had some health issues going on that we needed several tests run. The claims process was smooth, they worked in conjunction with the animal hospital and we were reimbursed in a timely manner.
5

out of 5

POSTED: | BY: Nancy

My Pom Pearl Deserves Good Health Coverage

I am so happy to have insured my precious dog with Embrace. They are clear on the various coverages and my claims have been processed speedily. It is no longer the good old days or a $15.00 vet bill. Pet medicine is as sophisticated as our own, and pet responsibility means medical coverage.
4

out of 5

POSTED: | BY: Mary

Have a health insurance policy for our…

Have a health insurance policy for our dog is great. We were reimbursed for all of our Wellness expenses so far. We just adopted our 14 month German Shepherd puppy. The communication between the underwriters and our Vet was frustrating. Our Vet kept sending the requested documents but was still receiving requests to send it again. It wasn't until the Vet got a little upset with Embrace underwriters that they then paid the claim.
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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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