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: Rick

Well taken care of and more…..

This is my second year of coverage for my two Pembroke Welsh Corgi. I am very pleased with everything and anything the comes up. From explanation of coverage, renewal, repayment. They communicate well and gives me disclosure. Each time I take my boys to the vet for their wellness, I get an email right away, telling me what is covered, when they received it and when I will get my money back. Quick, Easy and well planned.
4

out of 5

POSTED: | BY: Nancy

Good Handling of Claim

Good communication on status of claim
5

out of 5

POSTED: | BY: Bonita

Caring team, easy process and great service

I switched insurance to Embrace after reading many customer reviews and product comparison articles online. I was happy with my initial insurance, but I wanted something that made me feel at ease when my dog is older (she will be 4 in the new year). The claims process is extremely easy, but what I really love is the follow up. I always receive an email providing the explanation of the claim. I really love that every customer representative I have emailed or spoken to are animal lovers. I like knowing that the people who I have to deal with when I file a claim, understand what I am going through as a customer and pet owner. My beloved dog just had her nail ripped off from a crazy doggie daycare session that took almost 1 month to health. Not only did the claims department process it quickly, but the follow up was great as usual. We rarely have health issues with Maxah, but when we do (and even if it's during the annual check ups), it is comforting to know we are in good hands from a financial/insurance perspective.
5

out of 5

POSTED: | BY: Adam

Easy to interact with

I've been a customer for only a few months but I've found customer service prompt and easy and reimbursements have been fast.
5

out of 5

POSTED: | BY: Richard

Excellent Service!

Cody, our 10 year old Sheltie had a sudden severe nosebleed. We had to rush him to the local pet emergency room where he was diagnosed with high blood pressure and kindey failure. He spent the weekend in at the emergency room ICU, a day at the specialist, and 5 days at our vets office for IV treatments. This was our first claim with Embrace, and I was a little nervous about the process. It could have not been easier. Faxed my claim form and invoices, got an e-mail confirmation in less than 24 hours confirming reciept of my claim, and when I should expect a response. Next e-mail was to let me know that my checks were in the mail. No issues at all! Follow up visits/claims have all been handled the same way. I am very pleased with Embrace, and would highly recommend theme to 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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