5
out of 5
POSTED: | BY: Darlena
Happy Dog
So far they have my experience pleasurable ; very smooth process and me & my pet are happy knowing he is covered
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.
1
out of 5
POSTED: | BY: Jeanna
Doesn't cover everything
I signed up with Embrace when I got my puppy when he was about 6 months old. He got sick and needed to go to the hospital. I tried to upload the claim forms on their website and it never worked. I needed to call and email them over. This caused increase time. Once the forms were received I received my reimbursement in a timely manner. What I am upset about is that my puppy's liver enzymes were found to be elevated. The vet does not know why and will need further tests. Now Embrace denied payment for the blood work and stated they will deny anything further having to do with this illness or condition. This is not fair. We don't even know what is wrong. Now I have to take my baby for a $500 scan that embrace will not pay. Also, when my puppy was 9 weeks old he would get car motion sickness for 1 week until he got used to the car. The vet has this in his records. So Embrace stated they will not cover anything that has to do with motion sickness.
In summary, they won't pay for anything that your pet had before signing up with them. If I had signed up when I first got my pup at 9 weeks old then they would pay. Any condition before signing up is considered preexisting. Pretty unbelievable. My puppy is now only 10 months old and he may need further tests and even treatment and Embrace won't pay.
4
out of 5
POSTED: | BY: Jonathan
Good, fair coverage and followed the agreement
My cat had a bout of liver issues recently and my vet bill went a bit over $3600. Embrace followed our agreement - $300 deductible and covered 80% of the cost excluding medicines (I opted out of this coverage). In the end, I ended up getting back around $2600 of my costs and could have been more if I opted for the medicine coverage.
In the end, Embrace was fair and provided good customer service to me and my pet. My only complaint was it took nearly 2 months to get my claims reimbursed. Otherwise, I highly recommend Embrace - the only insurance that did not consider my cat's liver issues as pre-existing.
5
out of 5
POSTED: | BY: Lorraine
Excellent Insurance
Excellent insurance to have on my dog. Easy forms, easy navigation and prompt claim payments. I've had the insurance on my dog since she was a puppy. We are now in our 3rd year and am extremely glad I have this insurance.
3
out of 5
POSTED: | BY: Shirley
Satisfactory experience.
Experience, thus far, has been good.
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.