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: Evie

Recommend Embrace to Everyone

We had spoken with a friend in September who had recommended getting pet insurance. After searching many options, Embrace was not only the cheapest, but had the most coverage for our dogs. Our 13 year old is starting to have some difficulties in the past month and Embrace has helped us not worry about the cost. Embrace has covered a very large portion of our $3,000 vet bills and keep us at ease when we need to go to the vet. For the first time, my mom and I are not worrying about finances or what credit card we need to put the costs on! I plan on using embrace with every animal that I get!
5

out of 5

POSTED: | BY: Melissa

Embrace is an absolute lifesaver!

Recently, our girl had the terribly unfortunate diagnosis of squamous cell carcinoma, which brought on a few very expensive vet bills, including one for toe amputation. Embrace was absolutely exceptional- answered my many questions AND covered our bills. Luna is now living cancer-free.... Knowing we had Embrace on board helped make that possible. THANK YOU!!!!!
5

out of 5

POSTED: | BY: Jessica

Great customer service, easy to understand, prompt action.

This company has been very easy to work with with my dog's torn acl repairs. They covered claims as promised, promptly. The online system is easy to use to check claim status. My only reason for not rating it 10/10 is that the annual premium is high compared to other insurance companies that friends and clients use.
5

out of 5

POSTED: | BY: Christina

The best experience chr

I say this every time I write a review but I don’t know where we would be without Embrace! Our beloved boxer was diagnosed with a brain tumor and we have had no problems whatsoever with coverage and getting our claims paid for. It’s allowed us to be able to help him remain comfortable on medication and get that his other health cared for. Judah’s survived his original prognosis so every day with him is a blessing. We would not have been able to provide him the care we wanted to keep him comfortable and manage symptoms without Embrace. Simply put; our dog wouldn’t be here without the financial help we get from Embrace. Claims paid quickly, I recommend Embrace to everyone I know has a pet, and I would work with them again in the future.
5

out of 5

POSTED: | BY: Tiffany

You are the best insurance company!

I am so impressed by your integrity and service! Thank you for approving my appeals to pay claims that were late due to using an old claim form. You are seriously the best. You have paid thousands in claims and allowed me to keep my dog's health stable for 3 years during an auto-immune illness that could have bankrupted me! I wish I could buy all my insurance thru you!

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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