Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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: Manuel

Did not follow up with what was needed to complete my claim

This was around my second claim to embrace (wellness) claim. So when i sent in a claim that was wellness and nothing more then a teeth cleaning. Embrace went out there way to list claim as medical because of the stage one periodontal cleaning that was listed and they say its covered even though they have to check pre history to cover and to me what i see is there is a possibility of them declining the claim instead of just accepting the wellness claim in a timly maner, they take close to a month to finley accept the claim and i had to call them 4 to 5 times to get stuff in order because there was no one ever keeping me in the loop. I understand there doing job from checking history... But no one called me to get the ball rolling. Not happy embrace your better then this....(I hope) only time will tell.
5

out of 5

POSTED: | BY: Allen

best pet insurance

I have been paying them for years, when I needed them they were right there, no questions asked. claims were handled within days.
5

out of 5

POSTED: | BY: Leslie

Excellent service; quick response time.

Claim was handled in a quick and efficient manner. Representatives have always been courteous and helpful when I’ve had to call Embrace.
5

out of 5

POSTED: | BY: Keri

Easiest insurance claim ever

My dog was hospitalized overnight and my bill was about $1500. My vet filed the claim With Embrace and within 10 days I git a check in the mail for about $900. No questions or hassles! Thank you Embrace!!
5

out of 5

POSTED: | BY: Sharon

Embrace has saved me a lot of money

Thank you Embrace, for having such great coverage that affords us to get the care and attention Lilly may need at times. Having Embrace Pet Health Insurance has saved me thousands (literally). Lilly Girl thanks you too!

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.

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