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: Bobbi Herrington

Top Notch Service

Embrace delivers hassle-free claims service that is timely, conveniently accessible (through their well designed system)and handled with a personal touch. My consistent experience over the 10 years I've been a policyholder is that they have knowledgable, customer service focused employees and are always in pursuit of excellence!
5

out of 5

POSTED: | BY: Sabrina Vasta

Great service for loving pet owners

Embrace handled two claims for my overly curious puppy, one for the consequences of eating my baby's hat and one for a foxtail that caused massive swelling in her foot. I filed the claims and they were both dealt with within two weeks. There was no hassle, no fine print, no problem! What a relief to know that I can do what I need to do for my puppy and know that my Embrace policy will do what it needs to do to help me out.
5

out of 5

POSTED: | BY: Cole

Reliable and affordable.

Very pleased with this company. Getting clams processed is super simple and They always get done fast and are very helpful. I definitely recommend this company for pet insurance and will always use them.
5

out of 5

POSTED: | BY: Nicole Guevremont

Amazing Customer Service!

My Newfoundlands are five and six years old. I have had insurance through Embrace since they were puppies. I never had to use the insurance as I was very lucky to not encounter any medical issues. In February 2016 both of my girls had major medical emergencies and both needed extensive treatment and surgery. Embrace processed my claims quickly and were always available to answer any questions I had. They keep you constantly updated with emails about your claim status and their website is very user friendly. I highly recommend Embrace and think anyone with a furry family member should consider getting pet insurance. It has been a real lifesaver these past few months!
5

out of 5

POSTED: | BY: Roger Hummel

Ease of filing a claim

I submitted a claim and I thought it was very easy and the response to having it paid was very impressive.

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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