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: Penelope Peterson

The Best

We have had Embrace Insurance for about 15 years – 2 dogs and a cat during that time. They have been superb through it all, and when faced with a hospital bill of over $8000 we were very thankful we had Embrace covering 80% of it. They are also helping with the ongoing expense of having a dog with Addison's Disease. Additionally, talking to any Customer Care person is a very pleasant experience.
5

out of 5

POSTED: | BY: Deborah Corcoran

Embrace is the best insurance on the planet.

.Embrace is the best pet insurance on the planet. They are up to date on covering the newest cutting edge veterinary treatments for coverage on medications, wellness, and illness coverage. Embrace is a modern pet insurance organization.The plans, ease of filing a claim, their customer service and fast reimbursement for claims, is unmatched in the industry. I’ve had top of the line coverage from other well known pet insurance carriers in the past, and my total experience with claims, reimbursement time, & level of customer servicet doesn’t even come close to the “gold standard” of Embrace. They have set the bar extremely high in the industry.
5

out of 5

POSTED: | BY: Christina

I purchased Embrace Pet Insurance in…2014

I purchased Embrace Pet Insurance in 2014 when we got Hans, our yellow lab. Thankfully we never had to use it until now. I am so grateful to Embrace for their outstanding customer service team. They answered all my questions regarding filing my claims and when to expect reimbursement and the claims were handled pretty quickly I think. I couldn’t be more pleased! I have called them over the years to add pets and when the premiums increased and I wanted to know how to lower them, while still maintaining a higher amount of coverage. I highly recommend Embrace Pet Insurance to anyone who wants peace of mind and outstanding customer service.
5

out of 5

POSTED: | BY: Wendy Rudnicki

I've had Embrace pet insurance for a year

I've had Embrace pet insurance for a year. The rates are very reasonable and the coverage is very good. They have paid all claims in a timely manner. I am very happy I chose them for my pet insurance.
5

out of 5

POSTED: | BY: Barbara Windsor

I've been with Embrace insuring my two…

I've been with Embrace insuring my two dogs for many years. There have been some claims and they have been paid in a very timely manner. The staff is friendly and attentive. I will definitely use Embrace again if and when I bring in a new and young dog into my family. Thank you!

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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