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: Mary

A Bad Year for Ani

My coton de tulear rescue, Ani, has been insured from birth. She is extremely health, but this year she poisoned herself twice with amanita pantherina, an extremely dangerous hallucinogenic mushroom. She became deathly ill in the middle of the night and the vet and I sat up with her til her neurological symptoms cleared. The vet could not authoritatively diagnose her illness at the time, but a week or so later she went for another panther cap on her daily walk. Now I keep her muzzled when out of the house. However, she later ingested a potentially lethal dose of 5 HTP (digging it out of a visitor's purse), which causes a serotonin overload in dogs. Followed up with an infected/ruptured anal gland. While she was under anesthesia, the vet checked her dentition and found four loose/infected teeth that needed extraction.
5

out of 5

POSTED: | BY: Kim

The Best

Y all are always so fast and efficiency with the claims. Thanks for all y'all do
5

out of 5

POSTED: | BY: Brenda

Scottie’s in good hands !!

It is never easy having a sick loved one, even our furry loved ones! Knowing my dog is getting the best medical care because he is covered by Embrace makes my heart swell with how luck I am to have him and Embrace as his medical insurance. Embrace you are the best!
5

out of 5

POSTED: | BY: Suzanne

Exceptional service. They make the claim process easy & we use it a lot!

I was so nervous picking out insurance coverage because there are so many. After extensive research I chose Embrace. Placing the first claim I was holding my breath waiting to be asked a million questions & for more documentation. Nope- their fill in the blanks form & copy of the veterinarian’s itemized receipt was all they needed. After an email that same day confirming that they received the docs I got another email 2 days later telling me a check was on the way!
5

out of 5

POSTED: | BY: Steven

Best cat Insurance

Several claims due to illness this year , Embrace always have come through .

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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