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: Wayne

Another Fast Response

For the second time this year, our dog needed extensive diagnostic work, and as before Embrace had full payment deposited into my bank account within jusr a few days. They do a great job.
5

out of 5

POSTED: | BY: Carol

GREAT SERVICE

I submitted orthopedic claims (4) in a 6 week period for my rottie and was reimbursed within a week of each claim after my deductible was met. Great customer service and communication. Thanks Embrace.
5

out of 5

POSTED: | BY: Connie

Exceptional!

Nobody wants to think about a costly accident or illness for their family member, but after watching a friend go through costly surgery with him golden lab puppy, I found it a good idea, boy an I glam I did, our Cheasapeak bay retriever was accidentally poisoned by a neighbor who had been baiting gophers and squirrels, three days in the animal hospital. Embrace was wonderful to deal with, courtious, compassionate, caring, genuine. Claim was paid in less than two weeks of vet visit. Would highly recommend this company, thank you to the staff at Embrace !
5

out of 5

POSTED: | BY: Rehana Deshpande

Absolutely wonderful service

I recently joined took your policy for my pet. Have been amazed by how easy it is to file a claim and even your response etc. I will be recommending you to just about every other pet owner I know.
5

out of 5

POSTED: | BY: Pamela Lewis

Great customer service!

I'm very glad I chose Embrace. Every interaction I've had with them has been 100% positive. Claims don't disappear into a black hole for months like they do with other companies. In fact, the turnaround time is usually faster than expected and I can always reach someone easily if I have a question or concern. The only reason I give them a 9 instead of 10 is that my dog has a pre-existing condition that isn't covered and I worry about it costing me if it becomes an issue again. However, this would be the case with most companies out there. Overall I'm very happy and I recommend Embrace for anyone considering pet insurance.

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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