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: Lynn Ryan

Great service

I received two months of Embrace insurance for my new dog, Chance, from the rescue I adopted through. Chance had been abused, had surgery for his injuries prior to my adopting him, and was also heartworm positive, had parasites, etc, etc. (train wreck doggie!) Luckily I have a wonderful vet, but we figured everything would be denied for pre existing or whatever. The service rep who emailed me (Ashley, I believe) was very thorough in researching prior vet records and such, and kept me in the loop through the process, and I did receive reimbursement for much of his vet bill. I really appreciated the good customer service and communication.
5

out of 5

POSTED: | BY: Aaron T

They were there when I needed them!

The staff worked well with the animal hospital, and between them, I hardly had to fill out any forms. The claims process was very fast, and I received payment way faster than I imagined. Also, I thought they would nit-pick the hospital bill, but they paid their part in full without argument! Highly recommend, and I'm doing so to all my friends and family. The only reason for a 9 rating is that my dog had a cyst over a year ago, which went away on its own, but it is now listed as a pre-existing condition. I felt that was petty.
5

out of 5

POSTED: | BY: Jane Cooper

I am really glad I chose Embrace Pet Insurance.

When researching pet insurance companies, Embrace Pet Insurance stood out from all the rest. I was impressed with their pricing and the amount of coverage that our pet cat, Sparky, would receive. I took out the illness coverage, as well as the wellness coverage, and that decision was a good decision. My claims have been dealt with promptly, and their customer service is excellent! I would definitely recommend Embrace Pet Insurance to others.
5

out of 5

POSTED: | BY: Kathy White

Terrific Insurance .....So glad signed up

Very satisfied with coverage for Max ( Lab ) Thank You for answering all questions and helping me through process . July 13th on Max 's birthday (7) we ended up at the vets , he started having problems with back end /legs . Max had x rays , vet suspected problem with disk . We left for 24 /7 hospital hour and half away where Max had MRI that showed two slipped disks ,they were pushing into spine . Max then had operation on the 14 th , was home few days later . Max is doing very well . Thank You
5

out of 5

POSTED: | BY: Hilda Berry

Hands down the best insurance company for you pet!

I can not think of one thing!!! You guys are the best!

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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