Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Hope

Great Service

I have been using Embrace beginning with our first Berner, 7 years ago. They have always been very responsive and wonderful to work with. I would highly recommend Embrace for anyone with a pet!
5

out of 5

POSTED: | BY: Peter

Perfect Service in a Timely Manner

We have had Embrace for 1.5 years and they are absolutely fantastic. Our dog has had 2 knee surgeries which include X-rays, surgeries, medication, rehab, etc... and Embrace has handled our claims in a professional and very timely manner. Each time we've received our claim refunds in about 1 week. Not to mention, the customer service staff are friendly, outgoing, and very helpful.
5

out of 5

POSTED: | BY: Gwen

Relief for when you have vet expenses

I have the wellness on my cat who has allergies that pop up every year and he scratches his fur until his skin bleeds. So once a year he gets an allergy shot, in a couple of hours he stops scratching and I feel so much better. I know that the cost for the shot will be covered and Embrace keeps one informed and payment is quick which really matters because I live on Social Security. The other day my vet asked how I liked Embrace and I told them it was the best thing I have invested in. He has people asking for referrals to animal insurance companies. I told him to have his clients call me about Embrace. A very happy client so far! I can give my cat the medical care he needs and deserves because of Embrace. By the way, Embrace will even pay for nail clipping which my boy will not allow me to do!
5

out of 5

POSTED: | BY: Salvatore

Amazing Customer Service

Called to check the Status of a submitted claim. Representative that helped, put me on hold shortly and found and adjuster who was able to file my claim that same evening and the refund was processed.
5

out of 5

POSTED: | BY: Lisa

Embrace insurance is great

Embrace has always been prompt with my claim s. It is so comforting knowing whatever would happen to my furchild I would be able to help her

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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