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.
5

out of 5

POSTED: | BY: Andrew

Dog is smiling again

Earlier this year I noticed a discolored tooth on my dog. It was one of those little things that made me pause but wasnt a rush to the emergency room situation. I called my vet the next day just to check in. Turns out Daisy needed a root canal since the tooth was dead. The tooth one of the biggest in her mouth, so pulling the tooth would greatly affect her day to day. My vet seemed prepared to give me the bad news of how much a root canal would cost. I was so glad to be able to tell them that cost was not my first concern only making my dog better. I scheduled the procedure and had a wonderful doctor who took care of my dog every step of the way. While in surgery more problems were discovered and again I could tell the doctor to do whatever they needed to do. It took about a week for my dog to be back to her old self and now's just as happy as ever. I submitted my claim to Embrace and they did all the legwork tracking dog my dog's history and notes. A week later my claim was paid along with a complete summary of the covered costs. I cannot stress enough how confident I am with Embrace standing behind me. I know that I can take my dog to the vet knowing any problems that might arise can be solved without me stressing about how I will pay for costly procedures. Embrace made everything so simple and I will recommend their services to every pet owner I know.
5

out of 5

POSTED: | BY: Joanne

Amazing service

I'm sitting here in tears, because I just got confirmation that Embrace is covering disc compression surgery for my precious dog Benny. I can't rave enough about the prompt, compassionate, honest customer service this company has given me over the past 3 years I've had my dogs covered by them. Like other insurance companies, I kind of expected the usual run-around, bureaucracy, and disappointments, but it's been the opposite with Embrace. If only all of my other insurance companies were so reliable. Thank you Embrace; you've taken a huge weight off my back.
5

out of 5

POSTED: | BY: Salita

You would not want to be without Embrace, easy, explained and cover everything on your claim, and quick payment.

Awesome, glad I signed up through my credit union.
5

out of 5

POSTED: | BY: Melissa

Filing claims is easy peasy!

As a first time dog mom, I was extremely nervous about how I was going to take care of her and make sure she had everything she needed! When my mom mentioned pet insurance, I didn’t know where to begin. I went through USAA and they had many wonderful options, but this insurance carrier in particular was very easy to understand, they communicated well and their customer service chat is very helpful when I’m at work and can’t call. I haven’t had to use this for anything serious and hope I never have to, but I have peace of mind knowing my little Bailey is covered!
5

out of 5

POSTED: | BY: Brandy

Great Service!

Great service! Very quick with our reimbursement for our baby’s emergency procedures and hospital stay!

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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