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: Denise

Embrace has made my experience with my new dog more enjoyable and less stressful!

Getting a dog can be one of the most joyful experiences in life, but sometimes the expense can cause some worry and stress. I decided that with my new goldendoodle, I would enroll her in an insurance program so that I can take the best possible care of her without having surprise expenses wreck my budget and cause me stress. When I researched, most companies did not offer anything in the line of preventive care. That's when I discovered Embrace! They have a healthy rewards program. It's like putting money aside for preventive care. Only I am not disciplined enough to do that, so the extra I pay each month for the healthy rewards comes right back to me when I get her shots, checkups, grooming, etc. It really works for me! Also, Embrace is very timely in getting my money back into my bank account. It's totally worth it!
5

out of 5

POSTED: | BY: JACQUELINE

THANK HEAVENS FOR EMBRACE

i bought my policy about 5 years ago when my first dog was just a puppy.. then a year later added another puppy to my policy. i also bought the wellness package at the time i bought the policy. choosing EMBRACE was the best thing i have done. they are so responsive when i make claims. the later part of last year 2017 and continuing into this year i will have some big claims as my pups are having some problems.so far they have covered all claims without a fuss. i can only say great things about EMBRACE. THEIR WEBSITE IS TERRIFIC AND SO ARE THE EMAILS . VERY INFORMATIVE.
5

out of 5

POSTED: | BY: Sheree

Prompt!

Embrace promptly and courteously issued reimbursements submitted regarding the medical care of our cat, Mr. Peepers. In only one case was additional information needed and notification was immediate via email and the online Embrace website. Such a relief to know we could concentrate on the health needs of Mr. Peepers without worry of choosing between quality care and personal finances. Pet insurance is like any other insurance—we hoped to never need to use, but when needed, what a relief. We have carried the coverage for several years and due to the continued good health of our four pets, Embrace issued each a substantial wellness credit, which was honored with Mr. Peepers’ diabetes diagnosis. I would also add our medical team submitted the claims for us immediately following each vet appointment, instrumental in the process of fluid financial reimbursement from Embrace, We are happy to report Mr. Peepers is in diabetic remission! We consider Embrace a definite member of his recovery team and highly recommend for families considering pet insurance.
5

out of 5

POSTED: | BY: Robert

excellent insurance

very impressed with the coverage provided and the efficient claim-handling experience; would definitely recommend for any pet owner.
5

out of 5

POSTED: | BY: Mary

Embrace Cares

Embrace has been there for our two dogs for most of their lives, and thanks to their care and support, our best friends are thriving into their senior years. Our eldest, Nelli, contracted an immune deficiency virus a few years back and Embrace made sure she had the care and access she needed to make a full recovery. When our youngest played too hard and knocked her teeth loose, they were there too. Customer service is excellent, responsive, and attentive. Thank you for all you do.

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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