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: William Fahey

Warm and comforting

Smudge had a complete oral health assessment and had to have 8 loose teeth extracted. We were very pleased at how quickly we heard from the Embrace claims department and how quickly it was resolved.
5

out of 5

POSTED: | BY: Patricia Downs

Easy process!

I am pleased with how easy it is to submit claims for Wellness (preventive care) and how quick and responsive the claims are handled. I was delighted to learn that immunization titers are covered. The Wellness feature alone provides a good return on investing in this pet insurance.
5

out of 5

POSTED: | BY: Melody

AMAZING!

If you are looking for pet insurance, go with Embrace. THE BEST! So fast, so convenient, and everyone is so friendly and helpful!
5

out of 5

POSTED: | BY: Nora

Excellent

I have a 6 years old mix breed chihuahua who suddenly became ill. She had blood in her stool and urine and we immediately went to the vet to have her checked. After testing her urine and blood and four different medication to battle other possible bacteria and infection, the vet came to the conclusion that it was UTI. After spending $575 and submitting my claim the same day, I was amazed to receive my reimbursement within a week's time. Thank you Embrace for your speedy process in handling my claim.
5

out of 5

POSTED: | BY: Joe LaMonica

Great service for over 7 years

We have had Embrace for our dog for almost 8 years now. Luckily, for most of the time we haven't needed to use the insurance. However, on the couple of occasions that we have needed treatment, Embrace has been great. Most recently, we had to try to identify why our dog had an unusual appetite. He was always begging for food and drinking excessive amounts of water. We worked with our vet to determine a cause and Embrace covered us every step of the way. We now have our dog on medication that has helped tremendously. Embrace was quick to review and approve the necessary procedures and medication during this process!

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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