Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Sharon

Best Insurance EVER!!!

When my cat suffered an injury to her tail area, Embrace came through for us once again. Embrace has been the best thing I could have done to take responsible care of my furry friend. A few stiches and a few weeks later my cat was on the road to recovery! Embrace processed my claim quickly once they had all the necessary paperwork. They are always professional and yet so very compassionate, they understand it is enough for you to be worried about your pet so they have your back to help you get through the claim process with no worries. Embrace really is the best insurance coverage to have for all your pets so you just need to sign up for it right away. You'll be glad you did!The only reason it took a little longer than usual to process my claim this time was because it took a little longer for the paperwork to get to Embrace.
5

out of 5

POSTED: | BY: Erin

Cancer Didn't Mean the End!

Our girl, Ruby, was diagnosed with a tumor in her pancreas that absolutely had to be removed. It was also making so much excess insulin in her body that she couldn't regulate her blood sugar, so she had a seizure. Because she was unstable and needed specialized surgery, she was hospitalized for over a week in the ICU. This round the clock care and intensive surgical procedure were the only way for her to have a good prognosis, and without Embrace we would have had to make a different decision: one based solely on money rather than what was best for Ruby. Ultimately, that is why we got insurance and chose Embrace. We never wanted to have to choose to not provide the best care for the best outcome because of financial burden. The hospital submitted our claim, 3 days later Embrace emailed me that they'd received it, and then 3-4 days later our reimbursement was in my bank account. I didn't even have to wait for a check in the mail! And when I called two different times with questions, they were happy to help and explain everything I needed clarification on. I could not be happier with their claims process and customer service.
5

out of 5

POSTED: | BY: Eric

Quick, Efficient Response to my Claim

I had a simple wellness claim with a variety of vaccines, tests, and new medications from my vet. My claim was easy to open, I received a prompt response once it was underway, and I was very satisfied with the outcome. Embrace did a great job of living up to the expectations I had for them when I was deciding on a pet insurer. I will definitely be recommending Embrace in the future!
4

out of 5

POSTED: | BY: Linda

Embrace employees care & will work with clients

Our insurance claims have been processed timely and with understandable explanations of their findings. Thank you.
5

out of 5

POSTED: | BY: Eve

Worthwhile

Great coverage. Great customer service. Couldn't be happier with my experience with 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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