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.
1

out of 5

POSTED: | BY: kathy

very disappointed and cancelled my policy

My Golden Retriever puppy got sick on the last day of her 14 day exclusionary period. I spent over $800 to get her well, but Embrace denied my single claim for $195. I found them extremely inflexible to deal with. Can not recommend at all.
5

out of 5

POSTED: | BY: Marianne Kosty

Excellent company to deal with.

Our 3.5 year old Ragdoll needed emergency surgery to repair a diaphram paracardia hernia. Following her surgery, a clam was submitted and payment was made promptly. Whenever we need to submit a bill for payment, Embrace is always very prompt to respond to the request and notifies us in a timely manner the status of each claim. Embrace personnel are very concerned about their clients and follow up frequently to make sure the patient is recovering and payment as been received.
5

out of 5

POSTED: | BY: Sandra

Great coverage and excellent customer service

Embrace's coverage is excellent and everyone that I have always emailed with or called has been so friendly, helpful, professional and finds your information really fast! Not having to worry about the insurance claims for my dog and knowing they are being handled efficiently during this difficult time not only helps financially but brings peace of mind and one less thing to worry about. The turn around from when the vet or cardiologist submitted the claim to when I received my claim payment was really fast. I received email updates to check on the status change of my claims. There were a few times I had to call Embrace during work, and I was more than appreciative that the people I spoke with both really efficient and very courteous. I am very thankful and more than grateful for everything that Embrace has done for me and my dog.
5

out of 5

POSTED: | BY: Meri

excellent service

I love this insurance company! They are friendly and competent. Claim was pre-authorized,so I knew what to expect. So pleased!
5

out of 5

POSTED: | BY: Laurel Fried

Embrace is the Best

I am so glad I'm a member of the Embrace Pet Insurance family!!! We purchased it when our Bullmastiff was a puppy and we are so glad we did. We also purchased the well visit part and the insurance has really been a blessing for us. Fergie has had small problems like all new puppies and bigger problems now that she is almost grown (she has allergies). Embrace is right on top of things and when I send in a claim form it is handled quickly and they always let me know they received it-and after they process they follow to make sure it was handled properly. I would highly recommend them. They are terrific!!! And having insurance on your pet is a must!!!!! You never know what can happen!!!Thank you Embrace!!! We are happy customers who know what a good insurance company is!!!!!! We would encourage all pet owners to purchase Embrace-to Protect your Pet!!

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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