5
out of 5
POSTED: | BY: Davee
Amazing Pet Insurance!
Embrace has consistently provided the most excellent coverage for all four of our pets. I highly recommend them. They are quick to respond and explain benefits.
4.9
out of 5
Number of reviews 20,007
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: eileen
so happy I found you embrace
having a pup I have taken full advantage of the wellness ...and embrace has been wonderful....claims reviewed and paid quickly.....
my pup recently had cherry eye and so far Embrace has out done them selves once again...
at least I can enjoy my pup and not worry as much about the vet bills...
thank you embrace
5
out of 5
POSTED: | BY: Sue
So Far, So Good!
As I look back at the process we endured in filing claims for Maggie's TPLO surgery in early January 2018, I ultimately am pleased with the end results in having Embrace Pet Insurance. Once a few hurdles were removed, they paid quickly, efficiently, and were ALWAYS very cordial and helpful. My two "less than a 10" issues are:
1. It was extremely frustrating and difficult to get the medical history information that Embrace required when we originally filed the first claim for Maggie's surgery. I don't know if it was a disconnect between our vet and Embrace, or what, but Embrace kept saying they needed detailed medical record information for the full year preceding the beginning of Maggie's coverage. I felt caught in the middle and not able to do what needed to be done. Our vet kept saying they had sent everything requested. At some point, I was told they faxed over 100 pages to Embrace, hoping that will suffice! Regardless of where the problem was, I feel it would best serve Embrace insured pets to require that information at initial signup. Then we would have known what was covered, what was deemed "permanent pre-existing conditions", and what was "temporary pre-existing conditions". We have a second Golden with Embrace insurance, and I am dreading trying to get her detailed medical record information to Embrace. Putting that off for now!
2. Now I am concerned how filing these claims will impact future premiums and coverage. Will just have to wait and see what the coming years bring!
Overall, I can't say enough nice things about each and every person that I spoke with, from the day I first contacted Embrace about getting coverage for my two Goldens through getting the claims finally settled. Great group of folks.
5
out of 5
POSTED: | BY: rosemarie
I have had no problem with my claims and it is important to trust an insurance company.
I love having insurance for my dog as it would have costs me lots more if I did not have insurance. We get reimbursed quickly and get an email to tell us what is happening with our claim.
5
out of 5
POSTED: | BY: Kim
Awesome Great
Great service worth the investment in pet 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.