Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Alana Conley

So far so good!

I've only had embrace for almost 2 months and haven't had any problems or issues. It was easy to sign up and get things started. I later added the wellness plan to the insurance and the customer service rep was fast and convenient. I filed a wellness claim recently, I was able to upload the invoice and claim form to my account. I uploaded everything late Sunday night and today, 4 days later received an email saying it was processed. The only thing I wish they had was a way to set up the reimbursement check, I was looking around and found the 1-800 number to call to change it from a check to direct deposit but had I not looked around I wouldn't have known. Overall, it seems to be a good company.
5

out of 5

POSTED: | BY: Julie Harris

So grateful to have Embrace

Embrace was wonderful. The attention to service was prompt and much appreciated. It allowed us to have the gift of 3 additional weeks with our beloved Pepe. So grateful.
5

out of 5

POSTED: | BY: Desiree hansen

Great customer service and very happy over all

I always recommend to everyone . Choose embrace
5

out of 5

POSTED: | BY: Sarah

Fast claims payment and everything has been covered

We have 3 French Bulldogs and have been using Embrace for 4 years. Unfortunately, we've had to have a few life saving surgeries for our boys, but Embrace has covered everything! Our youngest was suffocating due to an elongated soft palate and required 5 days in a hospital after his surgery with a tracheostomy. It was a hefty bill but Embrace sent us a check 7 days after we submitted the claims. I highly recommend them !! They don't exclude breed specific health issues and that has been a blessing. Our boys are all healthy and we've never had to worry about being unable to afford their vet bills.
5

out of 5

POSTED: | BY: B. Khem

Embrace Cares about our pets

After 3 1/2 years of coverage with Embrace, I fortunately have only had to make 2 claims for illness related medical expenses . I haven't yet had full reimbursement because of not exceeding my deductible because I'm lucky to have a healthy kitcat The online reimbursement claims have been processed quickly and with individualized returned e-messages.

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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