Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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.
2

out of 5

POSTED: | BY: Peter

So much paperwork for a medical background needed for a straight forward claim

The veterinary hospitals and small vet practices don't want to deal with insurances - they told us this fact. Embrace insurance company wanted the background notes for a pet history. Consequently it took a very long time for the claim to finalize and I'm sure much hassling between Embrace and these providers to get the info they wanted/need. I'm guessing these providers don't want the overhead of the insurance claim process. This is the first pet we enrolled for insurance and it was a very frustrating process.
5

out of 5

POSTED: | BY: Christy

Easy to file a claim and quick payment

Vet was very familiar with Embrace and completed the form and sent in our behalf. Had a check in less then a week from date of service!
5

out of 5

POSTED: | BY: Rachel

Dachshund IVDD

Thank you so much. I never thought my dachshund would require back surgery—we’ve done all we could to keep him healthy. Embrace was recommended as covering breed-specific issues. It was nerve-wracking waiting bc the bills were so high, but the customer service was great. Thanks in particular to Shannon. Thank you!
5

out of 5

POSTED: | BY: Sheila

So glad I got Pet Insurance

I am so glad I got Pet Insurance!! We brought home 2 mini Australian Shepherd (American Shepherds) about 3 years ago. Very healthy, active pups! My male started to have some pain in his left leg, hip area. I took him to University of Illinois Clinic and it turns out that he has some congenital abnormalities in his spin. So far Embrace has stepped up and paid claims for his diagnosis and care. This includes an MRI, spinal tap, and various other tests to get a diagnosis, plus medication and follow up visits. We are still in the process of figuring out what can be done to make him more comfortable, and I am so thankful that I got Embrace Insurance, I don't know what we would have done without it.
5

out of 5

POSTED: | BY: Donna

Excellent service

My dog recently had surgery for a shoulder injury. I was nervous because it was a very costly procedure done in a different state than where I live. Embrace was in contact with the vet and processed and paid the claims promptly and efficiently. I am grateful for Embrace.

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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