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: RitaLinda

Worry free Pet Coverage

My Yorkie had some baby teeth that needed to be removed since they didn't fall out on their own and at the same time that he was under anesthesia we went ahead and got him neutered. We did not want to put him to sleep twice. Well no problem our wellness plan covered all the expenses. I am so pleased with the prompt claim processing the very next day we got our claim approved. Very Happy Camper! We are lucky to have found you, Embrace❤️🐶
5

out of 5

POSTED: | BY: D

Embraced!

I'm very pleased how professionally and expeditiously my claims are handled.
5

out of 5

POSTED: | BY: Jess

Straightforward and easy

Every claim with Embrace is starightforward and simple. Instructions and communications are clear and processing is efficient. Whenever I call, I speak to someone who is knowledgable and helpful. Also, I enjoy the savings by using the wellness rewards program. Have recommended this company over and over again.
5

out of 5

POSTED: | BY: Deb

Prompt, Convenient Reimbursement

My reimbursement after deductible was prompt. I am happy with their customer service, and although their premiums are rather expensive, close to $90/month, I have been happy with the service.
5

out of 5

POSTED: | BY: Diane

Fantastic

Took out the Embrace Wellness Insurance on our 7 year old Shih Tzu in February and she went for her annual in April as well as a teeth cleaning and I was amazed at how fast Embrace paid the claim. I mailed the invoice to them on a Friday and by the next Thursday I received an email telling me it had been reviewed and accepted and they were cutting a check for the services. Sure wish my personal health insurance was as efficient.
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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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