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.
Still waiting for my first claim to be paid
Jury's still out. I'm very surprised USAA endorsed this company I trust USAA it this company is off a little . I'll make a couple more payments to see if they come thur
RUN RUN RUN from this company, they are the worst ever, and a 1 star review is still too good. I have been paying for 6 months for pet insurance on my dog. That equals over $300. After submitting all vet documents they still send me emails stating they need more information , I have sent numerous documents and then had to go and pay for another vet visit ( that is not covered) I have made numerous phone calls to the Customer Service department to find out when my insurance will be effective. I asked for a total refund and was told by a Service Supervisor that a partial refund was all that could be provided and when I asked to speak to his supervisor i was told " this is the final word and you cannot talk to anyone else regarding this issue" How's that for customer service?? So I repeat...DO NOT BUY THIS INSURANCE....
Would give 0 stars if I could. They don’t understand rescue pets have guesstimated ages and birthdays and will use that variation against you despite you, the owner, having nothing to do with that. They will take a general piece of documentation, manipulate it to their benefit, and when you submit every piece of evidence in existence to prove yourself, they will still deny you!!! Power hungry, controlling people who don’t give a crap about your pets OR upholding their own policy. Disgusting. We are appealing the hell out of their denial, and being involved in Chicagoland dog rescue (over 5 major rescues), I will make sure everyone in Chicago dog rescues and shelters knows to stay away from Embrace. Wish I could go back in time and go with another company.
EDITED in response to Embrace's reply:
Given my education and line of work (doctorally prepared APRN with nearly 10 years of ER nursing experience focused on quality, EBP and policy), I completely understand and respect how policy and language within policy works. Embrace has chosen to view ONE TINY LINE of general documentation from an ER vet visit that neither my husband or I were physically at (a friend who was watching our pets brought her in and shared our notes/history with the ER vet who then generalized my text "6.5/7 months old sometime in December" to "6 months old". Despite showing Embrace EVERYTHING we sent over (nonmodifiable writing), they are choosing to weaponize a VERY GENERAL piece of documentation and use it LITERALLY. They are declining seizure coverage because at EXACTLY 6 months old would have been ONE day before our coverage began!! The vet never said EXACTLY AT 6 MONTHS OLD-- but Embrace, in their power, can decide to interpret it this way.
Embrace, your explanation of this is very weak and I am incredibly saddened by this whole experience. I have a doctorate, am an advanced practice nurse, and have worked in healthcare and with insurance companies for years. This is a game to insurance companies-- how can I cleverly deny someone the insurance they are entitled to and paying for?? Embrace could have chosen to view that line and correlate it which what history was ACTUALLY relayed, and understand that the vet generalized (as most ERs do). Instead, Embrace chose to use that against us. This is what I am calling BS on! We will definitely appeal, but I want other customers and pet owners to understand the hellish experience we have been going through. This company will do everything in their power to make sure you don't get covered for what you are entitled to.
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.
