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.
5

out of 5

POSTED: | BY: Jill

Having Pet Health Insurance Proving It's worth.

I bought health insurance for my new puppy after reading up on her breed (Cavalier King Charles Spaniel) And learning about the serious health problems associated with the breed. I figured I would need in years to come. The Embrace literature says they cover breed-specific conditions. But I didn't have to wait long to use it. At four months old she had a run in with a nasty cactus. This got a $350 visit to an emergency hospital on New Years Eve. Then two month later she was spayed. $2oo covered as a wellness claim. Then she got an infection from the spaying operation. It was Sunday, so this also required an emergency hospital visit, another operation to find the extent of the infection and clean up her incision, and a hospital stay. $2,200. After the $5oo deductible and my 20% co-pay, I'm getting back about $2,665 so far this year. Don't think because your puppy is young and seems healthy you don't need insurance. I hope I don't have to use it again til next year, for a wellness visit. :)
4

out of 5

POSTED: | BY: Sally

So far, so good :)

I recently purchased Embrace insurance for my two Newfoundlands. So far I have been very impressed by their prompt and kind customer service. It's great to know that the Newfs and I have some support and security from a business that knows all about loving dogs!
5

out of 5

POSTED: | BY: Becca

Incredibly fast claim turnaround

I submitted a claim through my Wellness Rewards account via fax, the day that I received the charges. Within 24-hours, my claim had been reviewed, and I was issued, as promised, a full refund as per my Wellness Rewards contract. Now THAT is delivering on a promise. Very impressed!
5

out of 5

POSTED: | BY: Sharon

Doesn't Get Any Better

I cannot imagine ever having to compare pet insurance policies again. I couldn't be happier with my choice of Embrace when our Cav King Chas Spaniel, Chloe, was just a puppy. She has had some health problems over the years and recently needed abdominal surgery. Every single time we have submitted a pre-authorization request or a claim for services, Embrace has responded quickly and payment of claims has been fast. This is a wonderful service - a top-notch business. If you are shopping for a pet healthcare policy, you have found it!
4

out of 5

POSTED: | BY: Jen

Claims

They have a very quick turn around time and provide great detail about claim paymentAlthough I would recommend to get all your receipts and filled out claim forms before you leave the vet office or you may be waiting awhile
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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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