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: G. Schuchman

Filing a claim is super easy

Filing a claim is super easy. When my claim is for prescription meds, I typically have my reimbursement in my bank account within 48 hours!
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5

out of 5

POSTED: | BY: Oriana Brown Armstrong

Prompt Responses

Quick responses. This company follows up every claim with accuracy and professionalism. We began with Embrace Pet Insurance in 2004.That makes 21 years of coverage for three (3) fur babies.
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4

out of 5

POSTED: | BY: Nina R

I am somewhat confused this year

I am somewhat confused this year, since I am now paying in two different places for my yearly pet insurance. The coverage for the wellness exam went through fine in February, but my understanding that the Rx is now covered by the other $200. + of the second part of my plan this year. I am forwarding Beau's RX receipt today.
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5

out of 5

POSTED: | BY: Maria Enz Perricone

Recommend Embrace Pet Insurance

I highly recommend Embrace Pet Insurance. This is my 3rd year with them, have never had any issues when submitting a claim. They have covered exactly what was promised, and never wait long for my refund. No more worrying about large emergency bills if my Charley is in need of care. It's definitely worth it for peace-of mind. Very happy with Embrace Pet Insurance!
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5

out of 5

POSTED: | BY: Peter K

It is very easy to submit a claim…

It is very easy to submit a claim online.
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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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