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: Jeri

Cat happy and Mommy not glued to the computer.

The claim system for Embrace is very easy to navigate and the benefits are very timely. I have been fortunate with a healthy cat so cannot comment on how well the system works with more complicated claim's filing.
5

out of 5

POSTED: | BY: Sherri

Saved again!

A few months ago our dog that never gets sick, got sick. He was acting very ill and rolling eyes back in head and throwing up. My husband rushed him to the emergency vet where they did the typical x-rays, blood work and exam. We still don't know what caused it but he turned out to be fine. He has been super healthy and because he had no claims for 3 years his deductible was only $50 versus the $200 I set it at. That is a super nice feature with Embrace.
5

out of 5

POSTED: | BY: Sherri

Peace of mind

Our dog Molli had to have an ultrasound and then a follow up 2 months later. Both were covered. Embrace has been excellent so far- 3 years. It is bad enough worrying about a sick pet and it is nice to not worry about the financial piece. Molli will need expensive surgery on one of her knees soon that will not be covered by Embrace because she had the condition when we adopted her, but knowing these other smaller claims are covered really helps. The other thing I love about Embrace is that it is annual deductible I set and not a new deductible for each illness - that was a major selling point for me when I shopped around.
5

out of 5

POSTED: | BY: Maria

First time user

I have been insured for under a year but I have to say I am really happy so far with the service. When I call with a question staff is very friendly and helpful. So happy that I have done this for my pet. Just shortly after I insured my cat she started having seizures. And they have been great in covering her bills.
5

out of 5

POSTED: | BY: Lindsy

Personal Service

I have received such personal customer service from Embrace! I will always use them for my pets. They are quick to respond to claims also.

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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