Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,940

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: Robin

Very fast claim processing

Thank you for the great customer service in processing my pet's claim so quickly. I am very appreciative of this aspect of any company I am a customer of. Thank you
5

out of 5

POSTED: | BY: Carol

A good investment for our "Baby"

When we took our GS, Breanna, for a well check our vet suspected hypothyroidism and wanted to do blood work. We were having another procedure done at a later date and the vet suggested having the blood drawn for the thyroid at that time. Fortunately, the results showed it was low, but not enough to warrant medication. Breanna later had a nail infection and was seen for that. The medication was very expensive, but again, fortunately, it was covered. She is doing OK now. We received our reimbursement from Embrace in a very timely manner. Staff is very courteous and helpful with any questions. Thank you Embrace.PS Do you have insurance coverage for senior citizens?? LOL
5

out of 5

POSTED: | BY: Lisa

Great experience so far

I have submitted several claims for both of my golden retrievers. One that has had a few flare ups of allergies and my other that has a mammary mass. I have always had my reimbursement within 2 weeks and if I had any questions, every rep I spoke with has been more then happy to help me out. At first they wanted to decline any future masses my one golden would have due to a cysts I had examined before our plan, but once I showed them the cytology report, we were able to narrow down her excluded coverage from all future masses to just follicular sebaceous cysts.
5

out of 5

POSTED: | BY: Debra

Embrace's prompt payment of wellness claim.

Inky was spayed, had microchip inserted,was given antibiotics and pain medicine for her procedure. She received a dose of frontline plus and heartworm medication.Total wellness claim was paid at 100%.
5

out of 5

POSTED: | BY: henry

Several claims submitted to Embrace

MY young golden, CHERISH{1 year} started seizures and is on monthly meds for this condition. Embrace has paid for fees they are responsible for, minus of course the deductibles. That's what I agreed to, so I rate them a 10 !!
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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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