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: Karen Roth

We will never be able to thank Embrace enough

Our Corgi, Amos, developed cancer and is undergoing chemotherapy. Embrace has been wonderful since he was diagnosed, letting us know when they received claims, processing claims quickly and accurately, responding immediately to questions via email or phone, checking with us to make sure everything is going smoothly. Without Embrace we would be unable to treat Amos and would be utterly heartbroken. We recommend Embrace to *all* our friends/family with pets.
5

out of 5

POSTED: | BY: Kathy S

You're the Best!

I've had plenty of experience with other companies and also Embrace. By far, Embrace is far superior. When my little mix Cindy got sick suddenly, I took here to the vet ER here and they had to keep her for 3 days! Probably something she ate at the beach, but she needed IV because of vomiting and she actually nearly died. I was able to put my mind at ease and let her have the best treatment without a second thought about cost. So many times, I have friends that comment on the cost of vet treatments while their precious ones are sick or injured. I am so glad I can give her my entire attention and let Embrace worry about the cost. Cindy is fine now and she tries to stay out of mischief but, after all she is a lively little girl so we really thank God for Embrace. They will be a part of our lives for a very long time. I also hope people check out the preventative care deal. Pay ahead and get a discount for that too! How great is that. We love you Embrace!!
5

out of 5

POSTED: | BY: Laura

I absolutely recommend Embrace!

Zuma has had three expensive surgeries/imaging scans over the last few years. Embrace has come through for us in each of these situations. The peace of mind in knowing we have great coverage has made it easier to deal with the costs of owning a dog with medical issues, and has allowed me to focus more on her well-being than the cost of treating her. Thanks Embrace!
5

out of 5

POSTED: | BY: Geri Bidgood

Great Comany

Our Rottweiler became very ill with stomach & intestional issues while he was at a dog show,He was taken to the vet & had tests performed & given med's.A week later not alot of improvement & dropped 11 lbs,was being hand fed.Another vet visit and med's. So very glad to say he is almost back to normal.Embrace Ins. has processed my claim & the refund was deposited in my account w/o ANY problems or suprises.I have had numerous other pet insurance companys in the past that did not live up to their claims.During the time from him becoming ill & getting my refund, I had called to ask a question reguarding another pet,the person I spoke with actually asked me if he was feeling better & eating again,because he was really a very sick boy.What more do I need to say? A company where the employees care and are not just doing their jobs.We have 3 pet insured thru Embrace.
5

out of 5

POSTED: | BY: Nicole

Great experience

I've had my Embrace insurance for five years and never needed it until this past month when my dog was attacked by another dog. I am so thankful I had it! The entire Embrace staff was really great to work with. True professionals.

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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