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: Sandy-Chicago

Embrace = simplicity

Embrace keeps everything simple. The claim forms are pre-filled; all I have to do is scan it and e-mail it. In a few days, my refund is direct deposited into my account. No extra red tape and no hassles! I'm so happy with Embrace.
5

out of 5

POSTED: | BY: SALVATORE

more than i expected...fast reimbursements

OUR PUPPY HAD ALL IT'S SHOTS OVER THE PAST FEW MONTHS. WE ARE DOING EVERYTHING POSSIBLE TO KEEP HER HEALTHY AND WITH OUR FAMILY FOR A VERY LONG TIME. NEXT IS A MICRO CHIP AND FIXED.EMBRACE HELPS US TO DO THIS. THE REIMBURSEMENT PAPERWORK IS VERY EASY AND CHECKS ARE PROCESSED FAST. I'VE TOLD SO MANY PET OWNERS ABOUT EMBRACE.
5

out of 5

POSTED: | BY: Maureen

Speedy and professional claims handling!

We recently submitted a wellness claim (prescription dog food and meds) and a dental rewards claim (prophylaxis) for our 6-year-old Nova Scotia Duck Tolling Retriever.We inadvertently submitted both claims on a single claim form. Not to worry. The folks at Embrace quickly split out the two claims and we received checks for both soon thereafter. Couldn't ask for a more professional staff. Thanks, Embrace!
5

out of 5

POSTED: | BY: John

Good Insurance

They have always paid each claim.. The only part I don't like is having the vet certify each one.. That gets old.. But Embrace is always willing to help with the process.
5

out of 5

POSTED: | BY: Lady

Awesome!

Courteous staff & excellent turnaround time regarding claims. I received decision very next day via e-mail (after claim submittal). Thank you to the Embrace Team!
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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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