5
out of 5
POSTED: | BY: Roger Chase
The website is very organized and…
The website is very organized and convenient.
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4.9
out of 5
Number of reviews 19,859
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.
2
out of 5
POSTED: | BY: Glenn Needham
My first real interaction.
My first real interaction.
I purchased the policy for my cats.
Setting up the policy and payment method was very easy.
Now that I'm using or attempting to use it, I've been met with much pushback.
As well as a degree of contempt in the manner of questioning and subtle hints of we don't believe you.
Maybe I'm reading too much into things or maybe not.
Overall, I am not impressed.
5
out of 5
POSTED: | BY: Debbie Iacobelli
Good Pet Ins.....easy to work with :)
Good Pet Ins.....easy to work with :)
5
out of 5
POSTED: | BY: Ronald
Best pet insurance ever!
So I have had Embrace pet insurance for a few months now and the setup with them was very easy but obviously I won’t know if this insurance is really good until I need to use it. Unfortunately my greyhound pup had an accident and chipped two of his teeth. I had to take him to a veterinarian who specialized in dental work and he had to go under anesthesia and they were able to repair and restore his chipped teeth. I had to pay a nearly $2000 vet bill! I quickly submitted a claim by taking a picture of my receipts and doctors S.O.A.P notes and then uploaded everything using the Embrace application on my phone. The whole process took maybe 2-3 minutes and was very easy. I was updated every step of the way and within about 3 business days I got an email stating my claim was approved! They covered practically everything less my deductible and co-pay that I signed up for. And they deposited the funds directly to my bank account. This insurance is top notch! I’ve read a few of the negative reviews and all of those people are upset because their claims were denied and it’s usually because their pet had pre existing conditions and that condition got worse so it wasn’t covered, this is something they tell you up front! That’s like having a car that you crashed then you get auto insurance for it and get upset because they won’t fix the previous damage it had! Embrace has been upfront and honest and tell you EXACTLY what is and what isn’t covered BEFORE you purchase, and if you’re unsure of what is or isn’t covered just ASK before you buy! They were very helpful in explaining everything. I would highly recommend this company!
5
out of 5
POSTED: | BY: R. Miller
Embrace has been a fantastic investment…
Embrace has been a fantastic investment for our dog, Snoopy. They have provided great coverage and are super fast with processing our claims and reimbursements. Snoopy was recently diagnosed with bladder cancer and we were worried it wouldn't be covered due to a previous surgery to remove a fatty lump. We sent in an appeal letter and Embrace amended their original decision based on updated documentation showing that the cancer was not related. We were really stressed over this and Embrace provided us with a massive amount of relief. We want to do everything we can to keep Snoopy with us for as long as he wants to give us and keep him as comfortable as possible. Having Embrace and the great coverage they provide makes the financial aspect of his care not be the focus.
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.