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: Anne Gagliardi

Great Insurance Company

My dog has been insured with Embrace since he was 10 weeks old. He will be 5 in March. He had a broken toe the first year I was very thankful for the Embrace coverage and quick payment. He also has allergies leading to hot spots which have been covered. This insurance is great and I will never be without the coverage again.
5

out of 5

POSTED: | BY: Georgia Wilson

Prompt, reliable payments

It is so refreshing to deal with a pet insurance company that explains all portions of the claim reimbursement and is very fair in the prompt issuing of checks.
5

out of 5

POSTED: | BY: Karen Wiseman

Great Service

I can't say enough good things about Embrace Pet Insurance. We have had our policy for almost 4 years and have never had an issue with them. The claims process is quick and easy. I can do everything online or by fax. I get an email from them telling me they have received my claim and when to expect it to be processed. I only wish my personal health care insurance were so prompt and offered the personal touch that Embrace does.
5

out of 5

POSTED: | BY: Syd Wiford

Thank God for Embrace Insurance

My Flat Coated Retriever KitnKaboodle developed Histiocytosis Sarcoma back in June 2015. Embrace has been a there every step of the way. Kit went into remission back in November and just three weeks ago developed the limp that first led to this diagnosis. Without missing a beat, Embrace has been true to their word and reimbursed us for this next stage. The best part is knowing you can count on them to step up, follow through with what their coverage promised and reimburse within a week of the claim. We should learn from this great pet insurance and maybe our insurance for humans would work to help not be another burden in time of crisis.
5

out of 5

POSTED: | BY: Kevin

Excellent experience with Embrace

I have had Embrace Pet Insurance for several years, but never really had to file a claim until this year. My beagle had to have surgery, and the claims process has been easy and efficient. The claim is processed very quickly and I have received my refunds in a timely manner. I can't thank Embrace enough for the wonderful experience and great customer service.

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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