Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Penny

If you want to have peace of mind!

After experiencing several costly surgeries and a diagnosis of cancer for my chow chow, I decided after her passing to check into pet insurance for my Shiba Inu. I am so glad that I did and I am so glad that I chose Embrace. I took out accident/illness and did not need to use it for the first few years but now that Tippon is 10 he has been experiencing ear infections/allergies and had fractured his tooth. I have never experienced any issues with Embrace upon filing a claim and they process the claims and issue a check in a very speedy fashion. I have peace of mind knowing that whatever issues may come up, my baby will be able to have the best medical care possible and Embrace will be there to help. I highly recommend them.
5

out of 5

POSTED: | BY: Carole

A few more years with crazy Maisy

Maisy was diagnosed with a heart murmur last year, but recently it developed into severe mitral valve prolapse with a torn chordae, along with congestive heart failure. The hospitalization to stabilize her, ultrasounds, blood-work etc were all covered. She is now stable and on 3 medications that will give us a few more years together. I never had to think twice about treatment decisions because we had Embrace. Choosing Embrace was one of the best decisions I've ever made.
5

out of 5

POSTED: | BY: Erin

Great customer service. Professional and caring.

We are in the military and move every couple of years. Embrace is the only pet insurance we have found that has covered us from Alaska to Virginia. We appreciate the continuity and good coverage.
5

out of 5

POSTED: | BY: Geoffrey

We are SOOOO smart!!

One of our 2 dogs became very ill caused by a raging virus while we were on vacation. At our local animal hospital, he was diagnosed and treated. He needed surgery, which kept in the hospital for several days. Follow-up care, including pricey antibiotics, lasted almost 4 weeks. Embrace promptly processed and paid it's share of the bills, which ran to about $5,500. We were so smart to have bought this insurance for the dogs when they were puppies. I hope everyone is a smart as we are.
5

out of 5

POSTED: | BY: Ilene

Well worth the premiums

We have had Embrace pet insurance for two years. The first year Joey developed a seizure disorder and once I hit my deductible I received my reimbursements very quickly. This year he had surgery on his tail and an allergy flare-up, and once again, our claims were quickly settled. It's easy to file a claim online by uploading your paperwork and in less than 10 days we typically have payment to our checking account. We are very, very happy with their services.

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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