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: Claudia Ionescu

Embrace is absolutely wonderful

I am so happy I did enroll my kitties a few years ago. Over the last 2 years two of them has serious health issues, cancer and kidney failure. Having Embrace was literally a life saver. They did cover the claims, the entire process from claim submission to payment is smooth and very quick. We couldnt do it without health insurance A BIG THANK YOU to Embrace
4

out of 5

POSTED: | BY: Kimberly Sirois

So glad I opted for Embrace!

My sweet yorkie, Maggie, has chronic issues with her liver and pancreas. Embrace always processes the claim quickly and fairly whenever she has relapse and needs medical service. Thank you, Embrace and your staff for looking after my fur baby!
5

out of 5

POSTED: | BY: Robert Lechner

Embrace gives me complete peace of mind.

I want my pet to have the finest medical care available. How could I do less for him than he does for me? Thank you Embrace.
5

out of 5

POSTED: | BY: Jen

I love Embrace!

I have had Embrace since my dog was a puppy. I started out with the full package (wellness and accident) and have scaled back to just the accident policy now that she is older. My dog has severe skin and allergy issues and we are constantly at the vet for one reason or another. Embrace processes my claims incredibly fast and is always very communicative. The website is easy to navigate. I have never compared pricing or coverage for other pet insurance companies, but I expect to have Embrace for the remainder of my pets life. I highly recommend getting a policy as early as you can. The peace of mind for such a low rate per month, is a no brainer for me.
5

out of 5

POSTED: | BY: Lourdes Bolanos

Life Saving

Miss Daisy is part of my family and life. When a fox-tail got into her paw and Daisy started complaining I lost it. Her paw was swollen, red and hot. Took her in my arms place her in her car seat and drove to the hospital. After hearing she needed a small surgery, medication and especial care I was scared and afraid of the cost. But then I just thought that I was so lucky to have EMBRACE PET INSURANCE. I knew Daisy would be fine because of the fine Doctors and I was going to be ok because she would go home with me and because Embrace had my back and I could focus on Miss Daisy. Sent my receipts together with the forms and a week later I was being reimbursed. I am so happy that we made the decision to get Embrace, we have been with them for more than 5 years. I constantly recommend people to buy insurance, Embrace. Thank you for all the years you have had my back and supported me with my pets.

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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