Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Amy Ruppert

I wish all insurance companies were like Embrace!

Our very athletic Greater Swiss Mountain Dog came up lame last July. After several x-rays and examinations, it was determined to be tendonitis. After crate rest and keeping her still for several weeks, it still was not going away. We took her to a orthopedic rehabilitation vet who prescribed several weeks of therapy using a variety of methods such as cold laser therapy, treadmill swimming, specialized exercises, chiropractic and massage. After our deductible was satisfied, Embrace covered everything. I wish my human insurance was as timely and efficient as Embrace is! They are GREAT! I've recommended them to many dog owners and new puppy owners and have only received 'thank you's' from them for letting them know about Embrace. Keep up the great work and high standards Embrace! I have 3 Swissies with more coming and they will ALL be covered by Embrace.
5

out of 5

POSTED: | BY: Scott

One of the best decisions I've ever made!

We rescued a purebred Akita puppy after the breeder abandoned his female. We had no medical history available for either the mother or father so we decided it would be a good idea to get insurance. Very close to his 2nd birthday he started limping and moaning. Xrays showed severe hip dysplasia. After consulting Dr. Randy Acker at Sun Valley Animal Clinic we decided to have a full hip replacement. EMBRACE covered $3600 of our $4500 bill. Once the initial paperwork has been established the claims process is super easy. Our claims are deposited directly in to our bank account.
5

out of 5

POSTED: | BY: Thomas Starner

Prompt Service with excellent customer service

My cat was having problems with him stomach and was vomiting for no known reason, so I rushed him to the vet to what was wrong with him. It was a lot for just to find out he had hair balls really badly, but Embrace came to his aide and made this emergency visit so much more affordabe. Once again thank you so much.
5

out of 5

POSTED: | BY: Laura

Kept Promise of Service

The Embrace Pet Insurance program is amazing! My Bella became ill and it was with ease to make my claims and I received reimbursement within days. To select and set up my insurance plan was easy as the various plans were understandable and the website user friendly. When I needed to make a claim the forms were easy to fill out and send in. Within days, my vet had been contacted and payment was issued. Additionally, the ability to receive benefits within the Wellness program is a great way to recover some of the expenses that pet owners spend on their loved ones.
1

out of 5

POSTED: | BY: David

Puppy Pyoderma chronic--by who's definition?

Pretty disappointed by our most recent interaction with Embrace. Our puppy was diagnosed with puppy pyoderma at their first Vet check, something the Vet noted to be very normal for any puppy, and now that it's gone we're getting slapped with a $100 payment claiming chronic condition ... chronic by their definition being noted prior to the end of the waiting period NOT the medical definition of lasting for 6 months or longer. Sorely disappointed, Embrace. Advice to new Embrace members--don't mention ANYTHING to your Vet because apparently it will only result in providing Embrace with an excuse to keep any addition incoming funds. Thanks for nothing?

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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