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: Lee

Wonderful Insurance

Embrace has been wonderful. Our Tucker is having kidney problems, they have been great in covering some very expensive testing ! They process the claims right away , cannot say enough great things about our interactions working with this insurance.
5

out of 5

POSTED: | BY: Godsvessel3

Family Protection

Embrace Pet Insurance provides great insurance protection for your family member. They have great plans with a variety of options to choose from with reasonable prices and I love how they offer a wellness program that you can add to your policy. They also make it very easy for you to file your claims by providing various ways to submit your documents like mail or email. They also have a great customer service team who process your claims within one to two weeks and they are available to answer any of your questions. Overall I would definitely recommend Embrace.
4

out of 5

POSTED: | BY: Patricia

Embrace finally came through

My dog had bone cancer in a leg that had previously had arthritis. Embrace initially denied the claim as pre existing. I needed pre authorization to amputate and they denied it. Meanwhile we went ahead with the surgery to save his life since time was of the essence. After multiple letters from my Vet and phone calls from me they finally authorized. I think they probably deny claims thinking people won’t pursue. I don’t think this is unique to this company as I have experienced it in human insurance as well. But ultimately they came through. Just a reminder to pursue if you feel like an insurance company is in error of your claim.
5

out of 5

POSTED: | BY: Martin

Fantastic Customer Service

I didn't need to use Embrace for the first several years I had Bentley. He was just too healthy. His 7th year of life has brought about some older age problems and I've had to use the vet a few times. Embrace has reimbursed my reimbursable expenses quickly and, most importantly, explained them to me fully. I have been impressed not only by this, but also by the friendliness of their customer service representatives. l recommend Embrace fully.
5

out of 5

POSTED: | BY: Vic

Wow, Just Wow

Our dog Jake has never been sick until age 7, then out of nowhere it looked like we were going to lose him. After several tension fraught days and thousands of dollars, I remembered I had bought Embrace Insurance at a friends recommendation the first month I got Jake. I had never heard of Pet Insurance Review, so this was strictly a friend's recommendation. I wasn't sure what to expect after Jake got sick and we filed the claims, but we told ourselves we would be happy with any support at all. Embrace went way beyond that. They were fast, efficient, and reimbursed just as their website says. They are fantastic and I highly recommend them. We can't thank them enough for being there for Jake and us.

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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