Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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.
1

out of 5

POSTED: | BY: Corbet

Slow to process!!!!

My labrador had an accident at the trainer's that required emergency surgery. It took almost 6 weeks for my claim to be processed! First it was denied because Embrace put the wrong date on claim. Second, they requested her medical history from the wrong fax number. When I called to correct the problem they wouldn't allow me to send them the records.
5

out of 5

POSTED: | BY: Beata

Great claims process

This year our dog has had several health issues and he has needed to see several different specialists. Embrace has been paying out claims for each visit once we met our deductible.
5

out of 5

POSTED: | BY: Stacey

Great Value, excellent service, no surprises

This company is fabulous! Very easy to use. Website is user friendly and all comprehensive!
5

out of 5

POSTED: | BY: Lisa

Never worry about getting care for pet with Embrac

I am so pleased with Embrace. When my dog Chloe needs care I dont have to worry about how I am going to give her the best, I know I can with Embrace. Wether she needs to go to the vet or emergency room I never have to worry about how I can afford It. Without that hanging over my head, I am able to get for the best care possible. Embrace employees are extremely friendly and efficient in answer any questions. I have never had a problem . I have had them for two years and recomend them every where I go.
5

out of 5

POSTED: | BY: Laurie

Happy

So glad my vet is offering this service. So easy to sign up and submit claims.Loving this service so far.
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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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