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: Jaqueline

Outstanding customer service!

After having to take our dog to the 24 hour emergency vet due to persistent vomiting and dehydration, which was a scary experience for all, we were relieved by how easy the claim process was with Embrace. Within less than a week of submitting the claim we received our explanation of benefits and reimbursement. Thanks for the prompt service! Layla is well and back to being a little scoundrel
5

out of 5

POSTED: | BY: Linda Phillips

Best thing I ever did for my dog!

I highly recommend Embrace Pet Insurance! My dog has ended up in the ER multiple times from swallowing his name tag to multiple bouts with IBS Embrace has always been there to help with payments and direct deposit them right in my bank account. They have been a life saver!
5

out of 5

POSTED: | BY: Debbie C

New Customer - Prompt Service

I recently adopted two kittens from a reputable animal adoption facility in San Diego. I have not had pet insurance before and decided to go with Embrace. All was well until one of my little ones got sick. Needless to say, after many test and evaluating it was not good news. Eventually the diagnosis was FIP - which is fatal in and of itself. I decided to submit a claim for cost and meds; not knowing if I would recoup any amount(s). I promptly rec'vd notifications from Embrace about my approved claim and rec'ved two checks, well within the time frame given. I can't thank Embrace enough - to know that there is some relief and understanding of what pet owners can endure with our furry friends. I have peace of mind knowing that in the event of major illness I have help & support.
5

out of 5

POSTED: | BY: Daniela

Fantastic

I love the constant feedback and that there is communication coming through weekly, it helps me know that there is someone actually there to answer questions. Also, that there is someone that can guide me through the healthcare steps because this is my first fur baby so I am new with all this but I don't feel alone at all :)
5

out of 5

POSTED: | BY: Ellen Anderson

Worried yet relieved.

Having adopted an older dog, I knew there would be risks in the health of my Boxer. She had a tumor that got larger and gave her much discomfort when she walked and also laid down. The tumor was on her chest and under her armpit. The doctor removed it and another one that was attached to a muscle, under the original large tumor. She also had to have 2 teeth removed, one was partial broken and the other had roots growing over it. My "Sugar" is one tough old dog. She never acted like she was in pain, except her noticeable limp. I am extremely grateful to Embrace for insuring my wonderful friend, Sugar. I don't know much about her past, but her future will always be filled with love, compassion and the best of care. Thanks Embrace.

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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