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: Maryann R

Pleasantly Pleased....

This is my first claim with Embrace and very pleased with not only results/return of the claim but the ease of filing and communication. I've been at another insurance on a past dog (since passed away) in which commmunication was horrible and one never knew if the claim was received or progress of it....they kept this up without any prompting from the customer. I hope any future claims will be just as easy.
5

out of 5

POSTED: | BY: Hilda Chacon

Great experience so far!

I've never had a pet, therefore I had no need for pet insurance and honestly, I was a bit sceptical about how it would work so I'd thought I would purchase it for my first kitten "Banana". Online process was smooth and user friendly. My 1st claim was for my kittens 1st vaccines & Exam, I faxed the claim to Embrace on Monday morning after Bananas 1st vet visit and I had an email from them Thursday stating how much my reimbursement would beand that I should receive my reimbursement within 2 day. I highly suggest that when you first purchase your pet(s) plan, that you call them atyour earliest convenience to give them your bank account info for quicker reimbursement. My experiencehas been pleasant so far and after reading over so many pet insurance companies and Embrace had good ratings and so far have prooved it. Thanks Embrace!
5

out of 5

POSTED: | BY: Evan

Impressive

I'm new to Embrace. I have a 3 year old Husky with no health problems. I had health insurance through another company and decided to switch to Embrace because of their wellness plan. I took my dog to the vet on Saturday and my vet faxed over everything to Embrace. Today I got an email saying my reimbursement has been deposited. I already recommended Embrace to my co-worker. I can't believe how quickly and easily everything worked out. I talked to the Customer Service rep a few times before signing up online, and each time they were extremly nice and helpful! SO FAR SO GOOD!
5

out of 5

POSTED: | BY: Debra Buckley

I love embrace

the wellness plan is so affordable and wonderful. I do not need to sweat about the cost of care for my pets. I have had Embrace now for only 2 months, and each month right from the beginning I have been reimbursed. thank you so much Embrace.
5

out of 5

POSTED: | BY: Paul Rilla

Very fair, knowledgeable and responsive

This is the first time we've had Pet Insurance. It is offered at a discount through my place of employment. So far, Trudy has been covered for about a month and I've submitted one wellness claim which was reimbursed very quickly! The folks I have spoken with have all been incredibly responsive and helpful. I wish I'd had the foresight to take it out sooner. Take my advice - if you're even thinking about it - DO IT - it's short money for piece of mind and a great company too! Employers - please see if you can affiliate and offer a discount to your employees. It's a great no cost benefit!

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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