Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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.
3

out of 5

POSTED: | BY: Tracee

Took awhile

My dog had a broken toenail which happened while I was away. I submitted my claim march 30,2013 for a 17.00 fee from the vet to remove the dangling toenail. It was a simple injury claim. It took until may 13,2013 for embrace to say it was covered. Seemed a little long to me.
5

out of 5

POSTED: | BY: James

Wonderful staff and quick payments very happy!

I have had othe pet insurance companies in the past , embrace is by far the best , no red tape fast pay,nets , constant contact while yur claim is being processed . And the best part very friendly staff ! My partner and I could not be happier knowing they have our french bulldog , Anna-Bella coverd with no hassle insurance !
5

out of 5

POSTED: | BY: Nancy

An extremely efficient organization.

I recently had my 18 month old Hananese neutered. I was particularly impressed with the speed in which my claim was handled along with the follow-up emails from the Embrace staff checking on my pups health after his surgery and keeping me up to date with the progress of my claim.
2

out of 5

POSTED: | BY: Phyllis

Not worth the money.

I have submitted two claims and I was not reimbursed any on the first claim and considered cancelling my policy. Now I have submitted a second claim for around $300 and got $26.80 back. I am looking into other companies.
5

out of 5

POSTED: | BY: Cheryl

Wellcare speedy payment!

I'm very pleased with the time it took Embrace to issue a refund check for my Merfy's well check-up. I also have the major medical plan for my dog just in case he gets injured or has a medical issue. Too many of my friends with pets have had huge vet bills and no pet insurance. Embrace has very reasonable monthly rates.
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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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