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: John

Great Experience

Very good experience. This claim involved a referral and specialist and it was handled in a few days. Communication and processing are top notch
5

out of 5

POSTED: | BY: Ann

I have comlete faith in Embrace.

Beau wasn't even two years old when his world was turned upside down. After multiple trips to his regular vet, then on to see a specialist and a 5 day stay in the hospital, Embrace has been there all the way. At first I thought he had Lyme disease due to his limping and painful joints. After seeing his regular vet, Beau tested negative for Lyme, but was running a temperature of 104. Blood work and urine testing was completely normal, but I knew something was terribly wrong. Soon he wasn't eating, wouldn't stand or walk, whimpered every time I picked him, losing weight fast. More trips to the vet, then on to a specialist and then a hospitalization. Embrace even rushed previous claims through their system and deposited my refund directly into my checking account so I had money to pay the hospital. Beau was diagnosed with immune mediated erosive polyarthropathy, something he will have the rest of his life. It is a chronic disease and what set his immune system off isn't known. Embrace has been a life saver and I know they will be there to help Beau deal with his disease. My policy even pays for Beau's acupuncture for pain control and special diet. I don't know what I would have done without Embrace. They have paid out thousands of dollars to help me help Beau in these past 9 months. Everyone at Embrace is so helpful and polite, and I am thankful I purchased this pet insurance along with the wellness package. I have got back more than what I have paid for this insurance.
5

out of 5

POSTED: | BY: Penny Beaver

Great Investment

I am so glad I chose to go with Embrace for my Shiba Inu. I had never used pet insurance before and when I had a Chow she had several back-to-back emergency surgeries and cancer. Needless to say, I paid out a lot of money in vet bills (which I do not in any way regret) but now should my Shiba ever have any major issues I know that Embrace is there to help me with those expenses. He just recently experienced an ear infection and a month later tore his dewclaw which needed to be removed - I turned the claims in, which was my first time filing, and Embrace responded immediately and issued a payment to me very quickly. I gladly tell people about Embrace!
5

out of 5

POSTED: | BY: Ann Marie

Expert Claim Handling and Customer Service

Our pet underwent surgery for bladder stones and a liver shunt. All of our claims were paid promptly and accurately. Embrace Pet Insurance has a very knowledgeable, personable and efficient Claims and Customer Service team. One of the best I've ever worked with.
5

out of 5

POSTED: | BY: Jessica W.

What can happen will happen!

I've had Embrace with the wellness coverage a little over 6 months. My first baby got groomed and his first check up to include his preventative heartworm and flea medicine, which was all covered very quickly and easily. We adopted a second and I added him to the plan. Initially I was apprehensive to spend nearly $100 for dog insurance per month -- and then our second dog turned out to be a late night fence hopper who we found gushing blood from his neck Quentin Tarantino style late on a Saturday night. It took a little longer for the accident claim versus the wellness claims, but it was still hassle-free and covered a good chunk of our emergency costs on a dog we've only had for 2 months. Sure, its not for everyone. It does cost. But I value pet care and am willing to pay for it. Embrace makes taking care of my furbabies easy and not some dreadful chore. Thanks to Embrace, I can give them a better life.

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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