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: Martina

Great service

I am very pleased with the service I received by Embrace Pet Insurance. It was very easy to submit my claim online. I was able to check on the status of my claim and received my refund within the time frame I was told it would take. I submitted a claim from my primary vet for pre-surgery blood work and surgery for a growth removal. Sadly, the biopsy came back as sub-cutaneous hemangiosarcoma. We had a consultation with an oncologist who ordered xrays and an ultrasound. All my submitted claims were covered. The representatives were very polite, kind and helpful.
5

out of 5

POSTED: | BY: Valerie

Best choice I've made

Embrace has amazing customer service and sooo worth it. We got our first puppy and unfortunately have been to the emergency vet a few too many times. Embrace definitely makes it a little less painful and puts my mind at ease because it definitely adds up.
5

out of 5

POSTED: | BY: Maryann

My dog is alive becuse of Embrace

My friends used to make fun of me for purchasing pet insurance for my Boxers. And, usually, there's been little need to use it. I was accused of "wasting money." My friends aren't saying that anymore. Ivy, my 6.5 year old Boxer, was diagnosed with dilated cardiomyopathy, left-side heart failure, and ventricular arrhythmia. Yes, that's pretty horrible and it will take her life. But with proper medical care and medication, her life can be extended and the quality of life can be maintained. Embrace Pet Insurance has allowed me to give her the medical care she needs - and the medications. All of that is very expensive and way more than a retired teacher's budget can handle. Embrace has paid all the claims in a very timely fashion. The reimbursement is made directly to my checking account so that makes it even quicker. The yearly premium for Ivy has been paid several times over, so it has been invaluable - and worth every penny. She's been pretty darn healthy up until this diagnosis but all it takes is one such diagnosis and pet insurance makes sense. I've done business with two other pet insurance companies and neither one was worth a hoot. Embrace has been super. The staff is knowledgeable and helpful. And the claims are paid with no hassle. I heartily recommend Embrace - Ivy is still with me, still bringing joy to my life - because of Embrace. The reason I rated a 9 instead of a 10 is that I've had trouble with the Embrace website a few times, and had a credit card mix up a couple years ago. So ... not perfect but the next best thing.
5

out of 5

POSTED: | BY: Steve

Great service, Highly Recommended

Great customer service, they keep you up to date on the status of everything via email. This is our first dog, and we were not sure about getting insurance. After plenty of research we decided on Embrace, and could not be happier. Peace of Mind, worth every penny.
5

out of 5

POSTED: | BY: D.

Wonderful!

I had VPI with another one of my dogs. I decided to shop around when I got a new puppy. Embrace was simply the best plan out there. Better coverage options at much better price. I would never not have pet insurance for any of my furry kids and I won't go any where but 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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