Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Carl

Smart Move

Insuring with Embrace is a smart move. The assurance of having coverage for the unexpected medical issues and the expected in the case of the Wellness policy is worth the investment. Embrace is excellent.
5

out of 5

POSTED: | BY: Shirley

Life saver

Excellent. We probably would of had to put our dog down if it wasn't for embrace. Unfortunately our dog has had many medical issues. It is so expensive to give her the care she needs without the help of embrace.
5

out of 5

POSTED: | BY: phyllis

Embrace is a really reliable Insurance Co.

Embrace is easy to use and they get back to you about your claims fairly soon.
5

out of 5

POSTED: | BY: Christine

Embrace is quick and easy

I found that Embrace insurance is a decent insurance company. I have the wellness coverage and they have paid all my claims.
5

out of 5

POSTED: | BY: Heather

Great insurance for me and for my family!

I can't say enough good things about Embrace Pet Insurance. Going through a cancer diagnosis with your dog and then chemotherapy, follow ups and all the other tough things that happen is emotionally and physically draining. A year later, Daisy is cancer free and going in for regular check ups and bloodwork to hopefully keep her that way. Embrace made the insurance process so simple and so easy for me. I truly believe that getting insurance through Embrace was the greatest gift I could give to myself, and more importantly, give to Daisy. There is always a cheerful voice on the other end of the line when I have questions and no one at Embrace has ever been anything but kind and reasonable when it comes to my claims. In fact, I love Embrace so much that now my family members and friends are Embrace insurance holders. I helped my 90-year old father submit his first wellness claim for his beloved dog two weeks ago. It went through without a hitch. It feels good to have an insurance company you can rely on for the health of your own dog and to know that they will take good care of people you have referred to them. Thanks 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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