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.
3

out of 5

POSTED: | BY: Lorraine Viscuse

Great Dog Insurance

This is the second dog I have covered using Embrace insurance. Never a problem with reimbursement. Always kept up to date via e-mails on reimbursement claims, plus you could always go into your account and see the updates there. Their policy is straight forward and not confusing. Other pet insurance policies had lists of what was and what wasn't covered. I am very happy with them.
4

out of 5

POSTED: | BY: Lorraine

Very Pleased

Embrace has been everything they say to be...My Rottweiler had 2 unexpected major surgeries in the last 3 monthe and we couldn't do it if we didn't have "Embrace"...we are all pleased and happy!!!
5

out of 5

POSTED: | BY: Jennifer

Great service, quick reimbursements!!

I have had this insurance for over 7 years with no need to use it...thank goodness!! I was nervous about sending in claims and worried that I would have to hound them to get a reimbursement, but it was just the opposite ;) I sent in the required paperwork, and within a couple of weeks I had refund checks!! Not only that, I received a follow up email ensuring I was happy with my experience. Great Service!!
5

out of 5

POSTED: | BY: Annette

So Nice To Have

I decided to get pet insurance after losing my first fur baby to cancer and was left with over $5,000.00 in credit card debt. I now have a 2yr old Westie with a fantastic ins. plan. He's covered head to toe, lol. A few months ago he started having stomach issues. I did not hesitate taking him to see his vet and then a specialist. After blood work, ultrasound and several other tests, thankfully he is fine. I submitted the claims totaling almost to $1,500 to Embrace and within 10days I received my reimbursement checks. I could not be happier with their customer service.
5

out of 5

POSTED: | BY: Angeline

First Claim Covered :)

My puppy had to get his baby teeth removed since they weren't falling out on their own. Bought my insurance plan, and before going anywhere they told me what they needed to get me started. Vet information, previous exams ect. Once everything was cleared, I took him to the dentist, he got his surgery and a teeth cleaning. All cost $600. I got it done on 11/2, put in my claim through the wellness plan the next day. By the 5th it was received and being processed. On the 9th they sent me an email telling me the check has been sent, and I received it today on the 16th. I am one happy girl right now. Let's see if they keep it up :)

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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