Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,347

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductibleâ„¢, 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: Kim Castillon

Great Plan for Expected Expenses too!!

This is so easy. It’s like a payment plan for wellness as well as accidental coverage. Coming up with $600 for vaccinations and neutering hurts all at once. Makes things a lot easier. 😊. Paid quickly!
2

out of 5

POSTED: | BY: Susana Funsten

Very slow at sending reimbursements

I received an email about a week ago that my claim (submitted in October) for a veternary visit for Gigi (my Morkie) had been approved. As of today, I have not yet received any remibursement for my expense during that veterinary visit atLArchmont Animal Clinic. This is not the first time this has happened. For some odd reason, I never get the checks you report have been sent. Please look into this problem.
5

out of 5

POSTED: | BY: Brenda

Best insurance I’ve had.

Submitting a claim and evalution is quick. Best insurance policy I’ve had for my fur baby.
5

out of 5

POSTED: | BY: Allen Gabrielsen

great companyto do work with

fast prompt claims processing, good coverage and I love the whisper docs benefit, have used it a few times with general health questions and always get a call back to check on the dogs progress.
5

out of 5

POSTED: | BY: Hal Ronin

These guys are great! Highly recommend.

First claim submission to Embrace and it couldn’t have been easier. I submitted about 10 months worth of claims and Embrace breezed through them quickly and efficiently. We couldn’t be happier with their processes and professionalism.
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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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