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: Christine

Quick and Easy

I really like the idea of being able to submit claims online and not have to send in and wait for days to hear back from anyone. I have sent in claims right on the home page and got responses back almost immediately if not within a 24 hour window. Great Job Embrace!! I am glad I switched over.
2

out of 5

POSTED: | BY: Jesse

Urgency is not embrace’s Strong suit

Where to begin... after a simple urinary tract infection in our frenchie that still hasn’t been covered to the emergency follow up, embrace hasn’t made this easy or a priority. After persistently dealing with our veterinary clinic, and multiple assurances that they sent everything needed, almost two months later 2 out of three visits still aren’t processed. And after being told embrace had contacted our vet for the info they needed, and then being told by the vet techs that no one had reached out to them. I despise dishonesty, nor will I stand for this deliberate lack of care from a pet insurance company. I am not out to scam or fleece, but when my four legged kids are sick they are getting better care than I am, so we are going to the veterinarian. That’s why we have insurance. If embrace continues to act this way, we will be dealing with another company that actually cares and prioritizes it’s customers.
5

out of 5

POSTED: | BY: Justin

Fantastic value and easy claim process for my dog!

When unexpected injuries occur, I have had absolutely no problem working with Embrace to file a claim. The most recent pre-authorization to have TPL surgery for my dog took only one day! I also have the wellness plan, which covers regular wellness vet visits, medications and other services up to $400 with no limit on an individual service (unlike other pet insurance companies). Do your research, and you will find Embrace to be the best overall value!
5

out of 5

POSTED: | BY: George

Great Pet Insurance

We have been with Embrace for two years now. Gettining insurance for our two Brittany's was easy. The website was easy to follow to get the insurance that best fit our needs. Response to claims has been fast and settled to our satifaction. Great pet insuransce.
5

out of 5

POSTED: | BY: Jacqueline

Excellent Service

The process was done smoothly and quickly

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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