Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Jim &

Great response to multiple claims

We recently had a backlog of claims for two dogs submitted by our vet hospital. Despite the volume of info to process, the Embrace staff did their usual great job of both giving us a status and settling the claims. After the claims have been settled, we get an email from Laura Bennett to follow up. I find this to be a good double check. We have had Embrace insurance for several years covering four Great Danes, and some of their health issues have been costly. One of the dogs has had two MRIs. Embrace has always covered the appropriate amount with no issues or hesitation.
3

out of 5

POSTED: | BY: Michele Cody

Shipment of Insulin - Requires Refrigeration

My dog has diabetes. My vet does not carry Vetsulin anymore. It has to be ordered. I found it cheaper at Valley Vet. The total price plus REFRIGERATED shipping is still cheaper than their charge. Embrace will not reimburse for shipping. This is not regular medicine. It can NOT go regular mail. I am NOT paying for express mail. I understand it's shipping but it's due to the medication. I will now order at higher price from the vet. I was trying to save money but Embrace will not allow. Furthermore, I understand rules but this should be an except since insulin can not be shipped any other way.
5

out of 5

POSTED: | BY: judith barry

perfect insurance for covering dogs quick response

Embrace Insurance is fair reliable quick to respond to claimIt is the best pet insurance Also phone calls to them are quickly and politely answered and the required information is given
5

out of 5

POSTED: | BY: Karen Cote

It's Easy To See How Embrace Got Their Name

Our little Bella has had such a challenging journey in her young life. She's only four but has been through so much. We've spent many nights praying for her recovery and hoping she makes it through the night and her pain of surgeries, recurring pancreatitis and seizures be minimized. Whereas our darling's ultimate care is with a much higher authority, there is no doubt that she is receiving the best care available to her on this earth. We could not have done this without Embrace. Without fail, this company has responded quickly, efficiently, and so kindly to the financial needs necessary to give the best quality of life possible to Bella these past years. She is doing very well now and with the very inexpensive plan we have her on, we can maintain her seizures, thyroid, and allergy challenges with medication and confidence in receiving the very best of care. Although, understandably there is a max on benefits (better than most insurance companies based on our research), despite the many times we've had to go to the vet, we've never reached the max and Embrace has made the entire experience(s) hassle free. We feel Embrace is an extension of the love we have for Bella. Part of our family, really. I'm pondering on the rating this review is asking for and wish there was one to reflect the rating of "priceless" as that is what Bella's quality of life means to us and Embrace has delivered that beyond any limited digital rating. Thank you, Embrace. From our hearts - we couldn't have done this without you and are looking for many more years of this type of security to come.
1

out of 5

POSTED: | BY: Paula

What the policy really coceres-Nothing

Have had embrace coverage for years. When I got a new puppy that was rescued they tried to make everything pre-exsisting even though he is only 12 weeks old. Accident and illness doesn't really cover anything because they try to make everything pre-exsisting. I DO NOT RECOMMEND EMBRACE PET INSURANCE TO ANYONE.

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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