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: Susan Hammond

Reimbursements

I let several months go by before submitting over a dozen invoices from my Vet Hospital. Within two weeks, Embrace reimbursed what was allowable under my policy - the deposits made directly to my checking account. I was and am, very impressed with the efficiency and thoughtfulness that Embrace and its staff bring to the table. I am so thankful that I bought this policy when I got my dog in August 2015. I plan to continue with it, without a doubt!
5

out of 5

POSTED: | BY: Terry C.

Simply the BEST

I had a recent illness claim for my puppy Mia, the bill was very expensive having barium series, IV Vet stay, meds. I have the 80% reimbursement plan. The money was back in my checking account with a couple of days. This insurance is the best even better than what we have on ourselves! Always extremely helpful staff and you don't get the run around, they never look for reasons not the cover any claim. Totally hassle free, EMBRACE is the BEST!!!
5

out of 5

POSTED: | BY: Richard Nesbitt

The Best

Embrace is quick and follow their agreement to perfection! I'm glad I have them on my side!!!
5

out of 5

POSTED: | BY: Cindy

Embrace was the best decision we could ever make!

Our dear Harper has IBD and had to have an upper and lower endoscopy and an abdominal ultrasound. We have been putting off the procedure for a year now not only because of the cost but also because we did not want her to have to go through any procedures that were not absolutely necessary. The Embrace people have, with this claim and many others, covered the costs ($2322) and we had our money in just over a weeks time. Overtime I call in with a question, the embracers are knowledgeable and kind. I don't know what our family and Harper would do without Embrace. Embrace Pet Insurance was the best decision we could have made.
4

out of 5

POSTED: | BY: Liz Paymer

Happily Embraced for six years

After going it alone with no insurance through expensive cancer treatments and surgery for our first dog, we learned our lesson. We purchased accident/illness coverage for our next dog, and we have been very happy that we chose Embrace. Customer service is very good, and the claims people are knowledgeable and helpful.

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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