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: Kathy Janes

We are incredibly grateful for Embrace!

This has been a difficult year for our oldest dog, 8-yr old Mater, Goldendoodle and master Therapy Dog. In the course of the year he has developed first thrombocytopenia, then a few months later tore a canine cruciate ligament, four weeks later developed immune-mediated hemolytic anemia and a few weeks later ruptured the other cruciate ligaments! I don't know how we could have taken the care of him that he deserved without Embrace! They have been helpful and responsive with every question that we had. His physical therapy was covered and the very expensive medications he has needed have been covered as well. We have three dogs, and haven't needed much in the past, but this year has made us grateful for having signed up for it and choosing Embrace.
5

out of 5

POSTED: | BY: Paul

Very prompt claim payments

Embrace has very promptly paid all of my dog's claims without any hassle at all. The claim submission process is very simple and easy. I am very pleased with Embrace.
5

out of 5

POSTED: | BY: L Hughes

Reliable, fast and friendly

Awesome!
5

out of 5

POSTED: | BY: Allison

Easy efficient helpful

We absolutely love having Embrace Insurance. Being able to provide care to your family member (pet) and not worrying about finances is more than anyone can ask for. If you have a pet and do not have Embrace Insurance I cannot encourage you to sign up for it enough. Know that there is an insurance company that actually cares.
5

out of 5

POSTED: | BY: Trixie's Parents

Embrace is great, responsive & prompt.

I am glad we went with Embrace for our dog. The Embrace representatives have been very helpful. The responsiveness is phenomenal. Wish I could say the same for human health insurance companies!

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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