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: Debra

Chloe and Embrace

Chloe recently developed a UTI and was in some pain. We had to take her to the 24 hour emergency vet since our vet was closed. Then we had to take her to our vet for the check up. Embrace handled the claim excellently and we received our check promptly which helped a lot. And Chloe feels great. Thanks Embrace!
5

out of 5

POSTED: | BY: Sandy

5 - Star Rating

I have had the accident/illness coverage for my 2 dogs for about 3 years now. I am happy, happy, happy with it!They quickly let you know that they received your claim and then usually within 2 weeks, they let you know the claim is paid (or applied to the deductable). I have never had pet insurance before, but am so happy I decided to purchase it now! It has paid off greatly. I can rest easy knowing that if anything happens to my girls, I will be able to afford to have whatever needs done to be done! Thank you, Embrace!
5

out of 5

POSTED: | BY: betty

Confused

I thought the wellness & Illness were two different claims.He had his wellness check up a few months ago.This claim was due to sickness,Poor boy was throwing up & crying as if in pain,Could you please explain difference in the two types,Meaning Illness & wellness.I have always been happy with this insurance just not sure of the difference between the two now.I've never used the illness plan before. Thank you Betty Grauer
5

out of 5

POSTED: | BY: Janice

Very Prompt Service

Embrace's Claim Service is always very prompt. The claim representatives are always very courteous and answer any questions I have. Thanks Embrace!
5

out of 5

POSTED: | BY: Xanthe

Very Happy with Wellness Rewards Plan

I purchased the Wellness Rewards Plan in addition to my insurance, since I knew I would make up the cost and get my money's worth no problem (I get a monthly dose of Revolution for my cat.) For this particular claim, I submitted receipts for Revolution and a fecal exam and was refunded the full amount I asked for with no hassle at all. If you don't mind waiting a couple weeks for everything to process, and if you actually remember to submit your receipts (I just emailed them along with the form), then it's totally worth prepaying for additional Wellness coverage!
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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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