Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Penny

An excellent company that stands by its…

An excellent company that stands by its customer – both human and animal. Best I could find.
1

out of 5

POSTED: | BY: BFaries

Can't give these folks a thumbs up --…

Can't give these folks a thumbs up -- feels disorganized and random. They've paid claims that weren't mine -- I immediately told them and they told me to "keep the money." They have vet techs doing claims review -- two-years of college and a certificate doesn't equal a review by a advance degreed professional. One of the reviewers went back MORE than the stated period of review. One of the claims had been there for almost 60 days -- wasn't until I proactively required that they reviewed anything. They're associated with USAA, which gave them credibility.
5

out of 5

POSTED: | BY: S B

Thorough, professional, knowledgeable

Pleasant Representative was thorough, patient, and helped adjust my policy with terrific explanation. I learned I could get unlimited coverage by asking, (dependent on the age/circumstances of pet and contrary to what many rating systems falsely state) and that it's smart to get what you want because you can always adjust coverages down but not up, and coverages for senior pets are the same as for when you first enrolled them if continuously enrolled. I was unclear on that. Bravo! (I called/asked around, and was told about Embrace from diff. people who work in veterinary care in my area, based upon experiences of their clients.)
5

out of 5

POSTED: | BY: Phyllis J Henry

Customer Care at Embrace Insurance is On Point !

The Customer Care at Embrace has been Super Fantastic. Their Conversation of service was performed with clarity. Thank You Embrace Insurance !
5

out of 5

POSTED: | BY: Christine Miller

Embrace has paid $$$$$ for my doberman

Embrace has paid $$$$$ for my doberman. I have friends that I told about. They are so fast getting ur reimbursement back to you. Christine Miller and Zane

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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