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: Erin

I wish MY health insurance was this good!

My dog, Daisy, was diagnosed with the start of a herniated disc in her back after her normal vet sent her to a specialist. The poor thing was in such pain, and the comfort I felt knowing she has Embrace took all of the normal stress that I used to feel with my other dog who didn't have insurance away. Just hearing the word "specialist" makes you cling to your purse a little tighter because you know it's gonna cost a fortune. Not only did Embrace reimburse my payment to the specialist, but also to her regular vet without a problem. It was directly deposited into my account within 24 hours of approval! It looks like we caught the problem before she needed surgery (She's mostly crated through the day, I carry her up & down stairs) but I know that even if she did need an operation, the cost would be the least of my stress thanks to Embrace.
5

out of 5

POSTED: | BY: Zelik

AWSOME !!!!

Good things only need a few words...In the case of Embrace the only word I can find is TERRIFIC !!!!
5

out of 5

POSTED: | BY: Jim

Overall good coverage, frequent updates on claims

I am generally pleased. Most claims are covered. The staff are particularly good at providing prompt acknowledgement of a claim receipt and in providing status updates. Payments are usually very prompt once a determination has been made as to what is covered. All the emails I have received have been very courteously written in addition to being informative of status or request for more info. My one frustration is that I have had to go back to the vet to ge more documentation when I thought the invoice, or what the vet office wrote on the claim might have been sufficient.
5

out of 5

POSTED: | BY: Maggie

the best pet insurance

This isurance has been a life saver. I have had to us it alot and they alway come through, with out any problems. I am so glad I went with Embrace. Can thank You enough.
5

out of 5

POSTED: | BY: Gayle

Embrace Claims Processing

Embrace is great at processing claims and has a quick turn around. My recent wellness claim was submitted, approved and I should receive my check, all within a 7-10 day period! In order to have this expedited process you are required to submit, to my knowledge for all claims, a claim form that is unique to your pet. You can't just print a generic one like in the past and fill in your pet's information. You do have to go the website to print one. But it is not the end of the world for the extra step, because my refund should arrive to me shortly.

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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