Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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.
1

out of 5

POSTED: | BY: Robb

Horrible Insurance Scam Company

We got insurance for our dog and they have such a strict policy that nothing ever gets paid, we are going to look for a better company. As always they take money from customers but never pay out. Useless
5

out of 5

POSTED: | BY: Theresa Dio

Embrace offers excellent service and caring.

I know that anytime my pet is ill or needs preventive care, Embrace always processes claims quickly and in an efficient manner. Whenever I contact them by phone, they are very caring and helpful. I have recommended Embrace to other pet owners.
5

out of 5

POSTED: | BY: henry st

Fast review and service !!!!!!

Hy cherish 3year old golden female has seizures since 1 year old. Seizure meds are paid for as well as liver test and phenobarbital level checks are paid for. Great company fast payement , no hazels !!!Also paid for a emergency pyrometra !!!
5

out of 5

POSTED: | BY: Candy

Can't Possibly Fit all the good in this space!!!!!

We've tried a couple other pet insurance companies, and between their customer service being horrible and the ridiculous process you had to go through to get reimbursed for anything, we were about to give up. Then we agreed we'd try one more - and THANK GOODNESS it was Embrace! Their customer service is incredible - professional, personable and knowledgeable; submitting claims, well it couldn’t be easier; AND, they offer direct deposit reimbursement which is almost always there in less than a week! The wellness coverage offered is awesome. Seriously, I could go on and on about Embrace. Our dog is our “little girl”, and we couldn’t ask for a better company to handle the insurance for her!
5

out of 5

POSTED: | BY: Margaret Alexander

Best insurance i could find

I have three dogs. Their breed (Cavalier King Charles Spaniels) are prone to heart problems. I selected Embrace because I felt that this company would give the best coverage I could get for this condition. I have been very pleased with the coverage and with the customer interface and frequent communications from them. My most recent claim was for an emergency vet visit for one of my dogs that has MVD. There was some question about the claim; the question was answered: the claim was paid.

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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