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: RivahDog

Pet insurance is a must nowadays

Recently I spent close to 4K on my 12 year old dog to have a fatty tumor (non cancerous) removed from his leg. It has significantly improved his quality of life, but it certainly decimated our finances. My mother had a 3.5K bill for her dog that swallowed parts of a dog toy and my sister has spent over 10K on her dog treating Valley Fever. Both of the other two dogs were under 6 years. I now carry health insurance on my other two dogs as they are active in the water (injury potential), attend doggie daycare (easy to pick up other diseases), travel with us (could get lost), live in the woods (disease & injury potential from wild predators), etc. The only negative is that there is a lot of paperwork your vet must supply in the beginning. Also the orthopedic exam has to be done after their insurance date. So it will cost me another vet visit.
5

out of 5

POSTED: | BY: Bea

Recommend them to everyone!

I found Embrace after researching pet insurance companies that would fit best the needs of my English bulldog rescue, Duke. I feel blessed to have come across them and to be able to afford insurance for my dog! Embrace has truly been amazing, I recommend them to all my friends and people I meet, especially the ones with puppies. They give me the freedom to choose my own vet and treatment option and that itself is a relief, not to mention the fact that they cover 80% of pretty much anything Duke needs from allergy medications to knee surgeries and beyond. I am a real person, I do not get paid by Embrace and I cannot say enough good things about them. Up until now they have been nothing, but a gift that keeps on giving!
5

out of 5

POSTED: | BY: Patricia Oliver

Meow! Meow! Meow! (translation: sooo happy!)

My name is Meisha and I've just had my yearly physical at the Vet. My owner (slave) almost cried with relieve when she realized that my insurance policy would cover most of the bill. I hate to see my owner cry, so thank you, Embrace, for reimbursing her. Now we can afford a treat! Meow! Meow!
5

out of 5

POSTED: | BY: Joe

Extenuating Circumstances.

My puppy broke his leg within days of initiating my policy. It was just past the accident waiting period and Jackie and Jessica were very supportive with what we were dealing with. Embrace was very understanding with the limited history I had on our puppy, but in the end they proved to themselves he was in fact healthy before his accident. Claims with any insurance are not easy, I know I sell Home/Auto insurance. But the compassion and empathy shown by Embrace and it's employees was outstanding. If you take a step back and look at things from an unbiased standpoint most customer service related businesses are usually doing what they can to resolve the problem at hand, and if not a phone call will help get the train moving again. Very appreciative and satisfied with the service I received and will continue with Embrace as long as I have pets.
5

out of 5

POSTED: | BY: Erin

Great Customer Service!

My boxer got into something and swelled up quickly. We had to bring her to a vet other than our normal vet because of the late hour. Embrace was wonderful about covering her visit regardless of where we brought her. The claim was processed quickly and the check was sent immediately. Wonderful customer service when you call!

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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