Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,317

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: Lisa M.

Our Best Friend is a Money Pit

We were very lucky to have received an objective and thorough evaluation of the available pet insurance companies, as soon as we got our English Bulldog. We used other companies in the past but NONE have been as detailed, comprehensive and compassionate as EMBRACE. They evaluate each claim fairly and provide a complete, understandable, explanation in each case. This particular claim was a bit involved but was covered and paid, VERY quickly.
5

out of 5

POSTED: | BY: Cathey Hayes

If you have a pet, Embrace is a necessity

Embrace customer for 4 years. Prompt, fair payment every time. Our goldendoodle requiem treatment for seizures and Embrace ensured he got the help he needed. Will never have a pet without Embrace!
5

out of 5

POSTED: | BY: Kim Sias-Lombardi

Fantastic people, coverage and overall company!

I have had pet insurance for multiple dogs for at least 5 years now, and Embrace has been a fantastic company to deal with right from the start! I have Great Danes and Bloodhounds, and as anyone who owns Great Danes will know, their health problems are never cheap! Embrace is always clear about what they can cover; there are no hidden clauses, etc. They have covered at least 2 illnesses for me that have met and/or exceeded my annual deductible of $10,000.00 and they continue to cover my dogs' problems in a professional, timely, and caring manner. I have taken the opportunity to give many a pet owner the Embrace brochure and will continue to do so.... Pet insurance may seem an excessive expense, but it can make the difference between being able to keep a beloved pet alive and having to let them go because of the inflated expenses of veterinarian care these days... If you are reading this review, take a chance on it. You WILL NOT regret it!
5

out of 5

POSTED: | BY: Denise Haines

Great Service

I am a new customer to Embrace and pet insurance, WOW the customer service is outstanding, truly impressive. My claims are addressed promptly and efficiently. i have had three claims for wellness exams. I am thoroughly pleased that I receive emails on the pending status of my claim, great follow through.. I would certainly recommend Embrace.
5

out of 5

POSTED: | BY: steve balash

good coverage--priced right

i was going to stop coverage because rates were going up --but forgot it--well our kcbaby got bit and inffected by something (cat squirrel?) and after days of 104 temp and emergency and vet care (over thanksgiving) i'm glad i did not stop coverage--bills ran $3500+ got my reimbursement quickly, and worth the coverage. wish i would have taken the drug coverage tho--kc had a lot of intravenous etc which was not covered but in the past years did not need. she had irritable bowel trouble overr the years and needed a lot of medical work with bills and these people paid and quick

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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