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: Steve and

Embrace is he best

I would highly recommend embrace pet insurance and do to every pet owner I know. I alway hope I will never have to use the insurance but when I had to they have been very quick at reimbursements. I sadly say that when my Great Dane needed extensive medical attention I felt better because I knew I could give him everything he needed because I did have this insurance. We did loose Nitro but I know I did everything I could for him. Embrace also seem to really care and I even revived a condolence card after we lost nitro. I most certinly will be getting it again with my new puppy when I find one and I also have it on my Dobe Betty Boop.
5

out of 5

POSTED: | BY: Juliann

Long time customer

Have had embrace for my pets for over 8 years.Had dog with cancer cover over 10K before he died. Currently have dog and cat covered. Always get quick return on claims. Coverage is accurate as stated on policy. Customer service always quick and polite.
5

out of 5

POSTED: | BY: Beverley Ferrato

Prompt and excellent service

We have two Cavalier King Charles pups, both which are covered by Embrace. Our 4 year old was found to have high liver enzyme readings after a blood test. Exploratory surgery was accomplished which revealed liver disease, poor liver color and an enlarged pancreas. Embrace covered all costs in accordance with the policy and covered without question. I would highly recommend to anyone who has a loving pet to consider pet insurance with Embrace.
5

out of 5

POSTED: | BY: Kim

Embrace made it easier to get right treatment

We enrolled in a high deductible plan just in case something really bad happened, hoping we would never have to use it. But then our dog became mysteriously ill overnight and continued to decline. On the 4th day after symptoms started and 3 vet visits, we were admitted to the emergency animal hospital and were seeing a neurologist. Having the insurance made it so much easier to get the tests we needed (X-rays, MRI, spinal tap). The tests were able to rule out some potentially horrible outcomes and allowed to get the right diagnosis and treatment. Our dog is responding to treatment and is on the mend. Embrace has been a pleasure to work with: promptly processing our claims, answering our questions, and being overall considerate and thoughtful during a stressful time. I wish human health insurance would be so easy to navigate. I have been very thankful that we enrolled and have recommended Embrace to several other pet owners.
5

out of 5

POSTED: | BY: Dawn Christine

Fastest Reimbursement !

Faxed claim on 1/13/2016. Deposit is on it's way. Would probably be in my account, if this wasn't a national holiday. I love 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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