Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Alicia

Not well known, but better than the most popular!!

I couldn't be happier with our decision to go with Embrace Pet Insurance for our baby boy, black labrador Trigger. We took him in for his puppy shots and to get his chip placed. We purchased the Wellness plan along with the illness/accident insurance plan. Our vetrinarian, was not already partnered or aware of Embrace, and Embrace made it easy on me by taking the guess work out of how to get them in contact with one another and have our claim smoothly submitted. Brian, an Embrace team member, contact our vet and had everything sorted out in one day. Within 3 days of that I had received a notice that our Claim under the wellness rewards plan would be completely covered. That's right, $349 back in our pocket, the insurance and Wellness Rewards package definitely pay for themselves. Believe me every little bit helps while planning a wedding and we can't thank Embrace enough for being so responsive. In 10 days we should be receiving the check. Thank you again Embrace!
5

out of 5

POSTED: | BY: Tanner

Great Service!

Staff always friendly, informative and prompt! The wellness option has been well worth the $. My claims for illness/injury have been exactly what I expected, never a surprise. When I needed to cut down my monthly premium, they worked with me to find the best option to keep good coverage and hit the price I was hoping for.
5

out of 5

POSTED: | BY: Diane

Very satisfied

This is the first time that I have had insurance on any of my pets. So far I have only had to make a wellness claim, based on that experience I find that the customer service department goes above and beyond in assisting you. I have been asked what company do I use for pet insurance and I always say you really should try Embrace. They are affordable and about the only one out there that offers wellness coverage at a very reasonable rate. I really like this company!
5

out of 5

POSTED: | BY: C.

Re-opened Claim based on new information

Embrace has been excellent to deal with. Recently one of our dogs had a fast growing "thing" on one of her feet. The initial diagnosis was a "mass", which wasn't covered by our Accident Only policy. However, after additional testing, the vet declared that it wasn't a mass, but something caused by trauma. Embrace re-looked at the claim given the new info, and accepted it, saving us hundreds of dollars.
5

out of 5

POSTED: | BY: Raschelle

Wish EMBRACE was in the people insurance business

This company is FANTASTIC! I sent a notice to them letting them know that my new Labradoodle, Hera was being spayed. Not only did they email me the day of her procedure wishing my Hera a good surgery but they followed up after the surgery to make sure she was doing well. Claim time was less that two weeks and such a breeze. I am so glad Hera has EMBRACE in her corner!

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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