Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Marcy Kawaguchi

Such an easy claim process

Such an easy claim process. Very quick and thorough. They did most of the work. All I had to do was upload my receipts! Definitely appreciate the low hassle with working with this company.
5

out of 5

POSTED: | BY: Yuki May

Claim

The claim was super easy and had no issues.
5

out of 5

POSTED: | BY: Aaron Stringer

Embrace is a great company

I’ve had Embrace for I think a year, maybe two. Anyway, I realize their rates may seem kind of high, but you have to look at what they cover and really compare that to other companies. I did that, and there was no comparison. Along with the Wellness coverage Embrace offers for only $20 a month, you’re looking at complete coverage for your beloved pet. My dog had a tumor on his eye, and he had it removed. While they did that they cleaned his teeth. It cost me $650 but I received $510 back from Embrace. That included the remainder of my deductible, which has varying amounts upon sign up. I submitted my claim the day of my dog’s surgery once I got my statement from the Vet, and I received my direct deposit from Embrace four days later. I’m strongly encouraging you to sign up for Embrace Pet Insurance so you will have multiple comprehensive coverage options and several deductible options. You won’t be sorry!
5

out of 5

POSTED: | BY: Stevie Dement

Me.

Excellent customer service!
5

out of 5

POSTED: | BY: Alan Muzzy

This was the first time we have had to…

This was the first time we have had to use our Embrace Pet insurance. Boy were we glad we had it. Having to take our little Bichon to the pet emergence room at 2:30 in the morning is scary enough. Then when they explained the charges it could have been even more traumatizing. Luckily I could say "that's ok; we have pet health insurance". Turns out filing the claim was very easy and we got an email right back that they had received it. The check was in my hand within 2 weeks! So glad dealing with Embrace is totally uncomplicated!

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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