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: tiana

the best pet insurance

This is my second year with Embracr, and I have had the best experience with the service. My claim paid faster than my own medical insurance, the customer service are great,very helpful and patient. I recommend this instance to all pet lovers.
5

out of 5

POSTED: | BY: Jean

Excellent, excellent company!!!

We have nothing but good things to say about Embrace. Our dog experienced a neck injury and we were able to obtain pre-approval for his MRI, which enable us to get an accurate diagnosis. After that, each of his treatments was covered and he has made a complete recovery. Each claim was processed immediately and the payments came very fast. The customer service from Embrace is wonderful. So glad we chose them.
5

out of 5

POSTED: | BY: Linda

Outstanding service and support

Out of the blue Nina was starting to loose weight, and one evening she did not follow me around the house when I came home. I called the vet the next morning and took her in, Nina never came back home. The staff/team at Embrace has helped in processing my claims in a timely manner and provided excellent service over the phone. I was truly thankful when I received the notice of the candle your staff light in memory of Nina and the card I received in the mail yesterday signed by some of the staff. Your team has provided comfort to my family during this time; and we a thankful.
5

out of 5

POSTED: | BY: Sherry

Absolutely phenomenal!

Getting Embrace insurance for my 4 furkids was one of the best decisions I have made in my adult life! It has paid for itself numerous times over, and the service I receive on claims is TOP notch. I suggest this company to any and all of the pawrents I meet!
5

out of 5

POSTED: | BY: Tracy

WOW!

In August we adopted a 4 year old dachshund - Oops (yep, that's her name). She had not been spayed as she had been a show dog in her previous life. We did our research and decided to get her enrolled with Embrace and this past January we brought her in for a routine spay - which turned out to be anything but routine. One week after the procedure she started to develop all kinds of scary symptoms (throwing up blood) and ended up having to have a 2nd emergency surgery that resulted in yet other scary symptoms. We were fortunate to have excellent medical care and slowly but surely, our little one began to recover (as did her parents). She is her feisty, funny self once again. We racked up some serious medical bills and weren't sure how Embrace would handle everything especially as we had only recently signed on to the policy. We were totally impressed. They did everything they said they would do and did so with such kindness and caring (they even sent a email checking in on Oops....not a form email but a personal email). Our only hope is that we won't have to use them again for a long, long time! This is an excellent company and we feel blessed on so many levels. 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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