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: Jennifer Snyder

TTA Surgery

I really can't say enough about this company! Top notch service and coverage. Never ever a problem and pays promptly!!! Thank you for the best insurance available to our pets!!!
5

out of 5

POSTED: | BY: Daniel Price

You are fantastic!

My cat Sam was treated for hematoma of the ear. He seems fine now. Embrace covered everything. They were both fast and friendly in settling the claim. Once before, I needed Embrace's help on a claim. It was in the $2,000 range and they took care of it. And at that time, they were also fast and friendly. By far, I think Embrace is the best! And they are so nice! D. Price Hyde Park, Ma.
5

out of 5

POSTED: | BY: koeller steven

Excellent, everything I thought and more.

Mario, diagnosed tumor on rear leg. Upon healing and bandage removal another tumor found on anal gland, first biopsy negative. Second surgery was a little rougher due to him being diabetic and so close to first. Embrace handled all claims expediently and delivered everything advertised and more.
5

out of 5

POSTED: | BY: Lee

Hanz Poison Episode

My Black Schnauzer pup 6 months old got into poison and had 24/48 hours to live. Brought him right away to ER and Thank God For Pet insurance. Embrace was able to financially help me with this bill which lasted many visits to a new vet to test the liver, kidney and bladder. He still has bladder issues but I am working with Rumford Pet Center on it which was also a godsend for his liver. I highly beyond highly recommend Embrace #1 for Pet insurance Hands Down. Very good intelligent people who work there great service and they really do care.
5

out of 5

POSTED: | BY: Jeanne Boelsma

I love Embrace

I have 3 great Danes, and have had Embrace for over 5 years now. They have always paid claims quickly and efficiently. They cover alternative care without the purchase of an additional rider. They cover office visits. I am a vet tech and I have seen some of the hassles people have with other insurance companies. Beware of plans that do not cover office visits. Often the OV or consult fee at a specialist is the biggest part of your bill. And not only do these companies not cover it, the cost of the office visit does not go towards your deductible. So you have to spend much more than the deductible before they begin to pay. Embrace also pays based on actual costs, not some arbitrary fee schedule. This is very important when comparing policies. Based on a fee schedule, you may get 50% or less of your actual costs, even if you have a 80% policy. Embrace has the best customer service ever. It is easy to get to a real person. Hold times are minimal. Their employees are compassionate and knowledgeable. They are the best!

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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