5
out of 5
POSTED: | BY: Kim
Thankful
Thankful for getting reimbursed for Tucker’s flea and tick medicine.
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: Jeff
Easy to work with
Fortunately I have only used the Wellness portion of this insurance. The process of covering examinations and medications has been very easy
5
out of 5
POSTED: | BY: Elizabeth
It pays for itself!
I have been very pleased with the embrace policy. I have the wellness plan and it has covered all my claims . It is very easy to file claims & I just wish I had taken out the policy sooner.
5
out of 5
POSTED: | BY: Diane
Embrace is great
The first few years I didn't need to use the sickness/accident claim. Over the past six months I have had to use it several times. It has been easy to submit claims, and the turnaround time to approve and pay the claim has been excellent. I was surprised with how much Embrace covers. I am very happy with Embrace and would recommend it to anyone.
1
out of 5
POSTED: | BY: Vicki
Wellness benefits are ok but when it comes to sick kittens they will declare everything as "pre-existing".
We had a shelter kitten that they covered the initial immunizations for, but when the kitten came down with giardia, they first said there would be a 14 day waiting period before anything giardia related would be covered, and then five months later, he subsequently got diarrhea, and they wouldn't cover the bills and medicine because they said we didn't do a fecal BEFOREHAND to rule roundworms out. This was well outside the 14 day waiting period they had previously informed us of. They will twist the rules in order to avoid paying anything out of the ordinary. I would NOT recommend them.
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 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.