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: Micaela

Embrace gives me peace of mind!

I am very happy with Embrace. I never knew about pet insurance until after my brother had problems with his two dogs and ended up spending thousands of dollars. After everything he went through, he recommended I get embrace in case I ever needed it. My dog is only 4 and was completely healthy. Several months after purchasing the insurance she started collapsing. I thought it was seizures and took her to the vet, only to discover that she'd developed a heart problem. Thousands of dollars later, I am very happy with embrace and recommend them to everyone. I feel like I can take care of my dog and give her the medical attention she deserves. One thing I would recommend though is getting the medical history review right when the insurance is purchased. I feel like this would speed up the first claim, as it takes awhile for them to get records and review everything after the first claim is submitted.
5

out of 5

POSTED: | BY: Brett

Peace of mind

I had to cancel my previous pet insurance when they refused to cover any of the $1500 vet bill incurred when my dog (then a puppy) was poisoned. VPI cited a coding error on behalf of the Emergency Vet and I couldn't get either one to help me resolve the matter. Needless to say, I was pretty skeptical when looking for my next insurance. Embrace has been nothing but a breeze to work with. When my 8 yr old Golden got cancer, at first I was worried that they wouldn't cover this or that, but much to my pleasant surprise, they covered everything, no questions asked and I had a $100 deductible credit for having not met the deductible the past year or two. Every time I called, the representatives were helpful, kind and supportive. When my boy passed, they "lit a candle" on the irememberyou.org website one month for free. This was a touching gesture, but not as touching as the personalized card signed by five employees that I received after canceling my policy. This company is amazing. I will absolutely use them again once I get another fur baby.
5

out of 5

POSTED: | BY: Theresa

They treat our pets like part of the family!

Unfortunately our 3 y/o Rottweiler needed to have TPLO surgery. Embrace helped with all our needs & were very professional and extremely helpful with all aspects of our experience. We are very pleased to have them on our side & would recommend in a heartbeat!! Thanks for taking care of Morgan and making decisions on her care just a little easier! She is recovering well & we thank everyone!!
5

out of 5

POSTED: | BY: Jennifer

Illness/Surgery

I have been an Embrace member for 7+ years and every time I file a claim, they are prompt and courteous. I love that they acknowledge when the claim was received and will let you know timing of reimbursement payment. It is easy and efficient. I am so pleased with their customer service and have recommended Embrace to my friends over the years and will continue to do so. Thank you!!
5

out of 5

POSTED: | BY: Colette

Awesome Pet Insurance and Wellness Plan!!

I love Embrace Insurance! The representatives on every level are very kind, thorough and professional, and they go out of their way to help you. In one case, too, I needed to be reimbursed very quickly, due to my fixed income, so I made a special request for them to expedite my numerous claims and they did! I don't know how Embrace makes every customer feel special, but I believe their excellent customer service- which adjusts to each client's needs- is a big part of the reason they're such a great company. Thank you, 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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