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: Sherri

Peace of mind

Our dog Molli had to have an ultrasound and then a follow up 2 months later. Both were covered. Embrace has been excellent so far- 3 years. It is bad enough worrying about a sick pet and it is nice to not worry about the financial piece. Molli will need expensive surgery on one of her knees soon that will not be covered by Embrace because she had the condition when we adopted her, but knowing these other smaller claims are covered really helps. The other thing I love about Embrace is that it is annual deductible I set and not a new deductible for each illness - that was a major selling point for me when I shopped around.
5

out of 5

POSTED: | BY: Maria gacek

First time user

I have been insured for under a year but I have to say I am really happy so far with the service. When I call with a question staff is very friendly and helpful. So happy that I have done this for my pet. Just shortly after I insured my cat she started having seizures. And they have been great in covering her bills.
5

out of 5

POSTED: | BY: Lindsy Nechak

Personal Service

I have received such personal customer service from Embrace! I will always use them for my pets. They are quick to respond to claims also.
5

out of 5

POSTED: | BY: Stevens

One of the best decisions!

I went for it and purchased Embrace pet insurance when our dog was just 3 months old. It seemed extravagant at the time, but I have no regrets for this piece of mind. She has swallowed a dime which was extracted in the vet ER, and we've discuvered she has a rare liver condition. The Ct scans, ultrasounds, and all diagnostic appointments have been paid for at 80%. Embrace staff talked us through the claims process, they have efficient and clear accessible communication, and we got paid shortly after our vets submitted claims. It's been flawless. I've recommended this insurance to all of my friends and family. They approved a very expensive procedure that is our only option to keep our puppy alive. By the end of this ordeal we will have maxed out our coverage for the year. Fingers crossed they will continue to be true to their excellent coverage.
5

out of 5

POSTED: | BY: Tami

Excellent Insurance

After the deductible is met, the insurance is wonderful! My little dog couldn't open her mouth, it was so sad! She stopped eating and was just listless. After many tests, we discovered she had MMM, a horrible disease that affects the jaw. Embrace has reimbursed me for almost everything, including medicines needed to make her feel better. Thanks for the awesome service and being there for us!!

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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