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: Carrie

Fast, complete coverage. Very pleases with service

I very first experience with a pet insurance company and I have nothing but positive things to say. I was very pleased with the customer service we received and impressed with the speed of the claim being handled.
1

out of 5

POSTED: | BY: Adam

Embrace Did Not Pay Me!!!!!!

This insurance company does not pay the claims they promise to pay.. When they tell you they have sent a payment; they haven't. They send you stupid emails asking you if you've received your money when they know for sure that you haven't been paid. Once again, trust absolutely nobody.. Do not place your trust in these disgusting liars.. They embrace only themselves and your money.. When you have a claim, it will not be paid in a timely manner, or it will not be paid at all... I hate these people. You will too..
5

out of 5

POSTED: | BY: Abigail

Covered my dogs foxtail surgery

So glad I have embrace. They were able to cover 80% of my beautiful Shar-Pei Igors surgery. He had to get some of those nasty weed plants surgically removed from his paws, poor baby was in pain and they were also able to cover his medication. His bill came out to $1200 and they were able to reimburse me $723 (Knowing that I live in California this is amazing) . Although, the only con was that they took almost a month trying to reimburse me and kept telling me that they had to do more research into Igor's health history when I had thought they already have his medical history since they do ask you to provide his health history upon the first few weeks of having Embrace. But all in all, I LOVE EMBRACE THEY ARE A GREAT WORKING TEAM AND ACTUALLY CARE ABOUT YOU AND YOUR PAL! Promise they will always take the time to listen and try to solve every problem you are having with your pet's health. Igor and I thank you Embrace for covering his medical bills.
5

out of 5

POSTED: | BY: Mike

Excellent customer service

My Lab has had vomiting spells and has had to have many X-rays and an ultrasound to discover the cause of his illness. Embrace has handled all of his claims promptly. They are excellent in customer service and pay claims quickly. Very pleased with them.
5

out of 5

POSTED: | BY: Mary

Fast service

This is our first experience with pet insurance and I believe we made the best choice going with Embrace. We met our deductible fairly quickly (unfortunately) and once the claims were submitted, we were reimbursed very soon after. As someone else stated, Embrace is not the cheapest coverage but I believe it is the best and the customer service is excellent.

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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