Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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.
1

out of 5

POSTED: | BY: Nickola

Dreadful experience

I was told I had to give my vet permission to give Embrace all information for passed record to Embrace. I did this and then my vet told me to just have an Embrace rep contact them for the information. Almost 2 weeks later Embrace emails me to tell me they didn't contact my vet. Then after telling them they need to email the vet for the files they still didn't instead they just kept emailing me that I needed to give them the file in which I can't because I don't have them. The whole reason I'm paying for extra pet insurance is so I didn't have to deal with all of these issues that staff at the company are trained to Do. So the fact it took this much trouble just to file a claim for $86 im terrified that if anything serious ever happens with my dog that Embrace pet insurance won't be there when I need them again so I will be canceling my policy. Do yourself a favor and find the insurances that your vet is friendly with and trusts I should've listens to my vet
5

out of 5

POSTED: | BY: Nerhood Robert

Dependable company and fast processing…

Dependable company and fast processing of claim.
5

out of 5

POSTED: | BY: Katherine

They make the claim process as easy as…

They make the claim process as easy as can be for such a stressful situation.
5

out of 5

POSTED: | BY: Tasha McElravy

Embrace Pet Insurance did a wonderful…

Embrace Pet Insurance did a wonderful job covering my service dog who just passed. In his later years, he had to have quite a few vet visits. Embrace was a Godsend financially, helping me to care for him as he aged. Our wonderful, understanding, and comprehensive adjuster Alissa is one of the most compassionate people I have ever met. She was patient and kind. After his passing every I talked to at Embrace was so caring when it came to the loss of my best friend. Not only did they cover everything from his last hospital stay, but they were supportive of me in my loss. I don’t know how I would’ve gotten through this without them, specifically our adjuster. I highly recommend Embrace for anyone who loves their pet and wants to make sure that they get the best over the course of their lifetime.

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 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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