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.
5

out of 5

POSTED: | BY: Sheryl Sparrow

Satisfied

We currently have three Corgis insured. They have had kidney stone removal, neutered, teeth removal, training classes, pulmonary problems, and monthly medications. All of which have been covered. The comfort of knowing our fur babies are covered helps with making easy decisions when it comes to their care. There are a few things that are considered pre-existing and a little frustrating because allergies and back issues are a constant issue to be taken care of. The best advice is to make sure that when you get a puppy you get it insured. We wouldn't be without it.
5

out of 5

POSTED: | BY: Wendy Royce

Embrace has been great! very satisfied!!

My 1 1/2 year Old Old English Bulldog had to have surgery and I had no problems with Embrace taking care of my claim quickly. I think they are great and will continue to use them with all my pets.
5

out of 5

POSTED: | BY: Jeff

I am so grateful to have Embrace pet insurance

I have a great Dane and I love her dearly but the medical issues are unbelievable. I am so thankful for embrace pet insurance,it's stressful enough when your dog is sick I'm just glad someone's there to help cover the cost. Thank you Embrace.Jeff
5

out of 5

POSTED: | BY: N Anderson-Goodnight

Embrace is absolutely amazing!

I purchased insurance for accident/illness and wellness for my two little maltipoos. I cannot believe how easy it is to use. The wellness policy covers all sorts of items like teeth cleaning, flea/tick medication, grooming, routine annual physical, vaccinations, etc. It only take a couple of minutes to file your claim and within 2 weeks you get a check reimbursing you for your expenses. One of my pups was sick vomiting and had blood in her stools so I rushed her to the vet. It was refreshing to know that no matter what test were needed I knew my accident/illness policy would cover the cost. Once again, it only took 2 minutes or so to file my claim and 2 weeks later a check arrived. I wish human health insurance was as easy to use as this policy. I will continue to be a loyal customer and have already recommended Embrace to all of my friends with pets. It's definitely worth the expense and provides peace of mind. Thank you Embrace for setting the bar so high.
5

out of 5

POSTED: | BY: Sue Covarrubias

Well worth the money

This is the first time I have ever taken out insurance on any of my pets but I thought that with a lab puppy it would make sense since they are notorious for swallowing things, etc. My policy does not include wellness visits but only accidents and illness. My dog started having seizures when he was 11 months old and he was sent to a specialist for evaluation. After an MRI and spinal tap it was decided that he has seizures and he was put on a medication for seizure prevention. We spent around $2,600 on all the testing and Embrace paid us within a few days. I really thought that Embrace may say the MRI and or spinal tap were not necessary but instead they reimbursed us without questions. I highly recommend Embrace

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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