Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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.
4

out of 5

POSTED: | BY: Jen Encinas

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
5

out of 5

POSTED: | BY: Patricia Oliver

Good Job!

My Wellness claim was sent in via fax by my Vet. The reply from Embrace came 2 days later. Refund came within a week's business days. Amazing!
5

out of 5

POSTED: | BY: Heather

Embrace is Great

We decided when we got our new Akita Puppy last year that we were going to get pet insurance and thank god we did, he is just a little over a year old now and slipped on some ice out back ended up tearing his CCL (ACL in people) he needed surgery, Pre-op on Feb. 17th was $560 I was reimbursed $416 in 5 days, he had his surgery on Feb. 25th $3931 and my claim should be direct deposited in the next 2 days for $3144. If it weren't for Embrace we would be out $4500 just for this, so the $40 a month is well worth the expense and peace of mind.
5

out of 5

POSTED: | BY: Darla

Pet insurance

This company is awesome! They promptly review the claim, answer any questions, and make prompt payments. I love the wellness program for our kittens.
5

out of 5

POSTED: | BY: Jim Ebert

Wow! Fast!

Had my 6-month old kitten spayed. Faxed the claim to Embrace mid-morning and received approval notification of my expected reimbursement by end-of day! That was fast!
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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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