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: Nena

Embrace makes it easy....plain and simple

After many years with Nationwide (formerly VPI) I decided to try another insurer when I rescued my next dog, and at my vet's recommendation, I explored Embrace. From the very beginning they were very clear about what they offered, had great options, and excellent communication. I found their plans easy to understand and straight forward. When I rescue another dog, I will definitely go with Embrace. Filing claims is easy and quick and I highly recommend their Wellness Plan. Customer Care is easy to communicate with and provide quick responses via phone and email. I cannot say enough about how much this matters when you have questions about claims or your coverage. Everything is easy with Embrace.
5

out of 5

POSTED: | BY: Maria

Prompt and easy.

Not only has each Embrace staff member been courteous and sincere whenever I've had to reach out to one, but the company has been timely responsive. My cat developed asthma and is permanently on regulating medication. Each time I've submitted my correlating claims, within days it was reviewed, approved and I have received my coverage check.
5

out of 5

POSTED: | BY: Mike

Embrace provides excellent customer service.

We enrolled in Embrace pet insurance about a year ago. We have filed several claims and all have been processed promptly with no issues. We are pleased so far with the coverage and customer service.
5

out of 5

POSTED: | BY: Georgia

Thankful forcoverage

My 3-year-old Bernese seems to have had more than her share of unexpected medical emergencies. As a puppy she ingested the seed "cobs" of mullein and had emergency GI surgery. Then, this fall she began seizing in the yard and was rushed to the local vet emergency center for IV's of anti-seizure medication, hospitalized for observation, and checked extensively by their resident neurologist. I am so grateful for the affordable insurance coverage offered by Embrace. Otherwise, as a senior on a fixed income, I undoubtedly would not be able to afford quality health care for this big girl. Thank you, Embrace!
5

out of 5

POSTED: | BY: Linda

Embrace is the best

My male dog has had some setbacks lately. An ear infection on a weekend so it had to be treated by an emergency pet hospital was quite expensive-Embrace paid their share. Then because of some strange behavior around eating, our vet ordered an abdominal ultra sound which found a testicle tumor. This was also an expensive procedure and Embrace paid their share. So what more can I say than Embrace you are the best. I am so thankful that you have also covered 3 TPLO knee surgeries. We love our two dogs and are so glad that we bought Embrace pet insurance.

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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