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: Alisa

Lifesavers--literally--the best!

Embrace is fantastic--incredible--compassionate and quick. When I purchased pet insurance for my two Labradors with Embrace five years, I had no idea that they would quite literally save my dog's life. Two years ago, while on my honeymoon, Shakespeare, my yellow labrador was diagnosed with high-grade aggressive lymphoma. He was given only weeks to live if we did nothing. If we did the recommended chemo protocol he had a 90% chance of fighting it. They said it would give him another quality 1-2 years of life. Embrace was fantastic. compassionate and quick to refund all claims with a direct deposit within 7-10 days of each treatment. They saved his life. We could not have done it without Embrace. Here we are, fighting the lymphoma with him again two years later--and once again they are incredible, compassionate on the phone, truly care, and the process of an otherwise emotionally heartbreaking experience is made that much easier. They have been so helpful once again and are quite literally helping us to save Shakespeare's life and quality of living. I cannot say enough positives about our experience with Embrace, so grateful we have them!
5

out of 5

POSTED: | BY: margaret

I couldn't be more pleased

Wonderful company. Very professional. Extremely fast response.
5

out of 5

POSTED: | BY: Jone

awesome pet insurance!

I knew when i adopted a senior rescue dog that I should probably get insurance.. a friend raved about Embrace and her experience when her beloved cat got cancer. She was able to afford prolonged treatment that most likely wouldn't have been possible without the support of Embrace. I have had Embrace for almost 4 years and have had a few sudden illnesses that we sailed thru with much less stress because of Embrace. It's easy to submit a claim and they reimburse super fast. I am completely satisfied and wouldn't hesitate to recommend them!
5

out of 5

POSTED: | BY: Vickie

I was so happy with Jenny's coverage that In insured our new puppy, Maggie!

Our Collie Jenny, was diagnosed with a rare skin condition called Sterile Nodular Panniculitis. We were able to afford the recommended medicine thanks to Embrace Pet insurance versus a much harsher, cheaper alternative the ultimately would have affected her kidneys. I was so happy with Embrace that I took out a policy on our new Puppy, Maggie. It is important that you understand pre existing conditions. If you have any questions they are more than happy to help. I really feel Embrace feels passionate about our furry babies!
5

out of 5

POSTED: | BY: Don

Embrace has me covered!

Since I've been with Embrace for approximately 2 years, there have been a number of illness/accident claims given to them concerning my Boxer. Though he's the best companion I've had, he has had his share of "problems". When the Vet's office submits a claim to Embrace, within a day I get email notification they received it and they are working on it! within a week or ten days I'm getting notification my reimbursement check is on the way... I've never had an issue of claim denial or questions on a procedure when it came to "fixing" my boy! This is the first time I invested in Pet Insurance and I'm so glad I chose 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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