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.
4

out of 5

POSTED: | BY: Denise

Very happy with this coverage

I have had other insurances for my pets and for the value and coverage it's amazing. Just like a person there's a deductible but after that everything is pretty much covered. I am very happy with the coverage and always amazed at how quickly you get reimbursed.
5

out of 5

POSTED: | BY: Katie

Embrace Treats Our Pup Like Family

The past eight months have been quite challengeing emotionally for my husband and I. Our 3 yr old boxer, Mable has been diagnosed with Kidney Disease, high blood pressure and they found a mass growing on her jawbone. Luckily we have a great vet and Embrace to help us through the many surgeries. Mable is like an actual child to us and we would do whatever it takes to keep her healthy. Thankfully, Embrace has helped us through financially without hassle. Not only have they not denied us on reimbursement but, they ask how she's doing and send belly rubs and kisses! Their support is warm and sincere and I couldn't recommend a better insurance provider for your child...I mean pet!
5

out of 5

POSTED: | BY: Teru

Quick, personal,and professional service

Yeah to Embrace! I was surprised how quickly and efficiently my claim was handled. Being that I work in the health care industry (with people, not pets) myself and deal daily with the run-around that most often occurs before settling claims, I was expecting to have to fight for my reimbursement when my dog needed vet care. Embrace was so professional to work with; an agent was available to speak with upon one call, the claim form was easy to fill out, I received immediate feedback regarding the status of my claim, and reimbursement was in the mail within 2 weeks. I know some major Insurance companies that could learn a thing or two about customer service from Embrace. Keep up the good work!
5

out of 5

POSTED: | BY: Cathy

Outstanding Customer Service!!!!!

Four months after I adopted my sweet little black lab "Honey," she decided to eat a good portion of a rug in my home! As a result, she had emergency surgery; needless to say, I was very worried! The only thing that I did not have to worry about was how Embrace would work to process her claims and reimburse me as quickly as possible. From the moment I dealt with the Service Representative, Christine Wrona, I knew that processing Honey's claims would be easy! I received courteous, prompt response to every question and genuine concern for Honey. Well, the story ended well...Honey is fine but I keep a close eye on her. Like other Labs, she loves to eat but I did not think it applied to rugs!! I could not recommend Embrace strongly enough!!!
5

out of 5

POSTED: | BY: Kirsten

Embrace is Excellent!!!

I have my 3 labs insured with Embrace, and unfortunately one of my labs had to have his tail amputated after a case of "happy tail" led to a terrible sore that would not heal after 5 weeks of bandages, antibiotics, etc... Lea and Carrie were absolutely awesome!!! My veterinarians were so impressed with the personal level of service I received from Embrace that they now have Embraces' information available for other pet owners in their lobby. I can't say enough about how happy I am with my choice of Embrace for my dogs 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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