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.
5

out of 5

POSTED: | BY: Peggy

Great Coverage!!

Our Zpearl got very sick with IBD and we had many vet and medication bills. True to their word Embrace covered everything as per our policy. Their kept me current via email about each step of the process and even put the reimbursement directly into my accounot!
5

out of 5

POSTED: | BY: Gabi

Embrace is a great insurance. No problems & easy to work with.

I am very impressed how my claims are processed. No problem to get pre-certification for surgery if needed. Takes the stress out of it. The only thing I would say would be nice to have would be, if it was made more clearer that when Embrace covers holistic vet bills, that the holistic medications or herbs that are prescribed are not covered. I was kind of suprised with that. Considered they are so much cheaper than getting conventionell meds for same conditions. Otherwise love the insurance. Thank you, Embrace!
5

out of 5

POSTED: | BY: George

Prompt and clear processing of claims

My beagle was recently diagnosed with Cushing disease. The claims process is very easy, the claims were promptly acknowledged and processed, and almost all of the costs were covered.
5

out of 5

POSTED: | BY: Tami

Comforting, understanding and compassionate

The best customer service ever. Those who are in this position are pet owners and totally get how we feel about our fur babies.
5

out of 5

POSTED: | BY: Everett

Fantastic

The submission for claims is quick and easy and you get a quick response. It is absolutely wonderful that there is a company that understands the value we place on our pets and they share in that.
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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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