Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Liana

Awesome Service

My dog was diagnosed with a pancreatic tumor (insulinoma) which had potentially spread to her liver. It was a relief to be able to agree to surgery without having to stress over the cost. The surgery went great and my pooch is acting about 3 years younger thanks to all the diseased tissue being removed. Embrace reps contacted me as soon as they received my claim forms to inform me of the timeline and process. They then emailed me when my claim had been resolved with an extremely clear explanation of how the amount was determined. If only my insurance was so easy to deal with and understand.
5

out of 5

POSTED: | BY: Peter

You helped provide a higher quality of life

I thought about a cat that was with us years ago that had become ill. I thought about how the illness's complexity and potential cost affected my decision-making and was sad to think that my present little companion Gracie did not have the same level of medical attention my friends and family have. Therefore, after seeing your advertising I began to think what my new little friend deserved, the same protections that other loved ones have. Not a single day has gone by where I am not thankful for Embrace. For whatever reason my little friend has had a few challenges and embrace has made those days less stressful and her quality of life better by providing the affordability and ability to receive proper medical attention. Thank you all for everything you have done to make Gracie's quality of life better.
5

out of 5

POSTED: | BY: Stephanie

Best customer service ever.

I have to say that everyone I talked to so far is as friendly as could be and really patient. What a pleasure!
5

out of 5

POSTED: | BY: Dexter

All good things...

Can't say enough good things about Embrace. We joined in 2008 after having VPI for a couple of years. I was not pleased with the customer service we were getting or the plan offerings from VPI. Our 10 year old lab, Dexter, recently had issues of blindness, uncontrolled walking and disorientation. After seeing our primary vet, she was thinking stroke or brain tumor. We were referred to a specialist in neurology. Procedures included a spinal tap, MRI and countless blood work and a four day hospital visit. All results came back negative. At the end of the day our vet bills came in around $3,600. Embrace was there for us with timely review of claims, follow-up and payment. BTW, Dexter is doing fine and we are glad to have Embrace on our side.
5

out of 5

POSTED: | BY: M.

wonderful!

I selected Embrace two years ago and have had only good experiences with this company. They have kept me updated about the claims I filed and have paid claims within a reasonable time. I am so glad I chose Embrace.

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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