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: Jerry

Great Company!

I signed up all 3 of our pets (2 dogs and 1 cat) a little over a year ago. I have submitted a couple of claims...the biggest a torn acl in my 100lb mixed breed. Embrace handled the claim very quickly and within 2 weeks I had a reimbursement check in the mail. So glad I don't have to make decisions for my pets based on cost. Embrace is a very professional company and when I have called with questions they answer promptly and process claims quickly. Thanks Embrace!
5

out of 5

POSTED: | BY: Lauren

Best Pet Insurance EVER!

I've been using Embrace for my multiple pets for many years. I've been covered for everything I expected and never had any issues or disputes. The staff are BEYOND helpful, kind and knowledgeable. I recommend Embrace to everyone and I swear I'm the cause of most of their clients! ha. Would be nice if there were a referral program ;) Seriously though, I'm so happy to help my friends and those who adopt from me - giving them the peace of mind and being financially able to take care of their furbabies when necessary. Because something ALWAYS happens. To not have pet insurance is just crazy. And to not have Embrace be your pet insurance carrier is even crazier! There is no better carrier out there. None.
5

out of 5

POSTED: | BY: Krista

The $10,000 Rottweiler

Our seven year-old Rottie/Lab Mix tore her ACL. We took her in for the surgery consultation only to find out that she had a small growth on her lower lip which the surgeon thought might be melanoma. So, during her ACL surgery her growth was removed and biopsied. It in fact, turned out to be melanoma. She just received her third melanoma shot yesterday and she is doing very well. I cannot thank Embrace enough for helping to cover the costs for my sweet girl. My husband always jokes that she is spoiled rotten, nicknaming her the $10,000 dog. Thanks to Embrace she definitely lives up to that name.
5

out of 5

POSTED: | BY: patricia

my dogs took the mince pie

who knew that mince pie was poisonous, not my dogs for sure. $1600. later at the emergency vet s. IV fluids, overnight stay , lab work etc,etc,I had the check less than a week later from Embrace Ins, they are the best .asked how my dogs were etc. customer service ,,,the BEST
5

out of 5

POSTED: | BY: Chelsea

Ethical and Caring company

Charley has had an endless amount of health problems. I wasn't sure if having insurance would help since he has so many pre-existing conditions. But he recently had an accident and needed an x-ray. Because of the accident, the vet discovered some other issues. It's been finally diagnosed as Cushing's Disease, which has constant follow up tests and medication required for life. It has all been covered with no hassle and saved me and will save me a lot of money. They also have great customer service and online tools. My only recommendation would be to have an app for members to be able to easily log into from their phones to submit and view claims and see account information. Thanks to embrace for being helpful and happy to pay out claims with no push back. Good and ethical company that I trust.

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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