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: Jean

Embrace is the BEST!!

Thank goodness for Embrace! Our poor girl is a complicated mess yet the best dog you could ever hope for! She is always happy and loves everyone, which is why we would do anything and everything to try and keep her healthy. Thankfully Embrace makes those choices so much easier. When I first signed up for the insurance my husband fought me on it, he thought it was a complete waste of money! He fought so bad that I paid for it myself because he refused! I told him since we have a large breed dog that i wanted to make sure if God forbid she ever needed a hip or knee replacement i wouldnt have to think twice because the insurance would cover a portion of it. It was the best decision I EVER made! Our poor girl has bad skin allergies, severe food allergies (allergic to every food but super hypoallergenic prescription food), she is slightly incontinent and has issues with bladder and ear infections and most recently (at the age of 5) diagnosed with beginning of kidney disease. So as you can imagine, specialist vets, tests and medications are abundant with out girl and Embrace covers everything but her prescription food! THANK YOU Embrace for always helping us take care of our furbaby, she truly is worth every penny!! You cant get a better dog and you definitely can't get a better pet insurance!!
5

out of 5

POSTED: | BY: Janice

Consistently great and prompt customer service!

All claims I have submitted have been handled quickly and pleasantly.Always a good experience. Great customer service.
5

out of 5

POSTED: | BY: Crystal

Just great!

Embrace is incredibly affordable so much so that you would think "What's wrong here?" But nothing is wrong! I've been with Embrace for almost 2 years and have absolutely no complaints! The quickness with which claims are processed is incredible! Under a week each and every time. I haven't had any reason to call but every e-mail interaction has been nothing but pleasant. Thank you, Embrace!
5

out of 5

POSTED: | BY: Sharon

A small price to pay...

If you wonder whether paying each month for pet insurance is worth it, I say YES...it is a small price to pay, when and if you need to file a claim for a $2600 surgery! Embrace has been absolutely great in handling my dog's claims and making sure I had the money back in my bank account before I had to pay the credit card payment. They were always available to answer my questions and alleviate all my concerns.
5

out of 5

POSTED: | BY: Katie

Definitely the right choice

My jack russell-pug mix gets himself into ear infections on a yearly basis which are always covered. I give the form to my vet who faxes it to Embrace and I get emails telling me they got the claim and that it's been covered and to log on to see the results of the claim. It's so great! The customer service via email and phone calls are amazingly helpful. I recommend Embrace to everyone with an animal.

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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