Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Arthur Rochester

Speedy Response

Embrace has become even faster to address claims. They provide a complete explanation of their policy along with an itemized EOB. My wellness claim for Pancho's annual physical was paid in full. This is even better than my personal health insurance.
4

out of 5

POSTED: | BY: Jeff Bowser

I think this is an outstanding service

Make sure all your dates fall within the policy period. I was one day early on one of my vet appts and it was not covered. However, the remaining visits were.
5

out of 5

POSTED: | BY: Michael Urban

Back on Track

I would state that Embrace is back on track with the excellent service that drew me to them in the first place. After some trouble processing my claims in a timely manner last year,Embrace has redeemed themselves as my recent claim was processed in less than two weeks.
5

out of 5

POSTED: | BY: Iman

Claims

I have had great experiences with timely claims. My dog was diagnosed with seizures recently and I thank God I purchased the pet insurance when I did as this is helping me with her medication cost. You never know what the future holds for your pet so if you can afford the health insurance which for me is only 22 a month, it saves you money in the long run and gives you peace of mind when it comes to taking care of your beloved pet.
5

out of 5

POSTED: | BY: Gina

Wellness Claim

Very fast and easy. I mailed the claim, received an email that they had my claim and received another email with my reimbursement info telling me the check was in the mail.
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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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