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: Danielle

Chronic skin issues/cyst on paw

Embrace Pet Insurance is one of the best decisions I have ever made for my pup. I can always rely on them to reimburse me for expenses related for care of my bulldog. We all know Bulldogs are known to have their issues, but I have peace of mind having them to cover his expenses. Chronic skin conditions, a dermatologist, and chronic issues with a cyst on his paw, I never have to think twice about being able to afford care for him. They are always quick to review my claims and deposit the funds into my account. I could not be more thankful or have chosen a better company for Oliver's health insurance. Thank you Embrace!
5

out of 5

POSTED: | BY: Donna

Embrace has been wonderful!

When our Brandy developed a severe limp, Embrace covered the needed vet visits, testing and medication to find the source of the problem and treatments for healing. Along with covering her wellness visits it has been a blessing. I would greatly recommend Embrace insurance for pet owners.
5

out of 5

POSTED: | BY: Mary

Quickness

The quickness of the processing of the claim is wonderful.
5

out of 5

POSTED: | BY: Rosemary

Claim Experience

I recently submitted a claim for Natasha. I was satisfied as to what was covered and what was not. They kept me informed every step of the way thru email - we received your claim; your claim is currently under review; final claim results and when the check was sent. I received my check in approximately 1 week. Overall a very painless process!!!
5

out of 5

POSTED: | BY: Katherine

Very Good

My Sammy has recently been diagnosed with lymphoma and is going through some very expensive chemotherapy treatments. I am very grateful that I chose a pet insurance company years ago that has always come through for us. Over the years there has been issues with Sammy and Embrace has always been there for us. Knowing that, it is a huge relief for me especially at this time. Thank you to all at Embrace.

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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