5
out of 5
POSTED: | BY: Caren Culley
Prompt reimbursement
Prompt reimbursement
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4.9
out of 5
Number of reviews 20,332
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: Carrie Ginnane
This company has too many preexisting conditions they add for senior age dogs
Here’s my experience- purchased a plan for $107 a month for my 9 year old cane corso. Had my vet send Kaya’s health records so I would know everything they consider preexisting conditions. I had a feeling there would be a few things bc she’s 9, but let me tell you- they got back to me 2 weeks later telling me that they won’t cover basically ANYTHING.
There were things under preexisting that the vet has never said are a problem! They said she has plaque buildup yet the vet has always said she has perfect teeth and does not even need to get a cleaning. They also said that she has arthritis so any hip problems are preexisting which has never been diagnosed. Her Vet has always said her mobility is fine. And they said any cancer &/or lumps will not be covered bc she has had a few (we had them all tested and none were cancer so idk how they can exclude cancer as preexisting). Also, bc I called the office to ask about swallowing something (she had not actually swallowed anything, it was a phone conversation) so Embrace said that’s not covered either.
Now I’ve been waiting on the phone for 30 minutes to try to cancel my plan which is also an issue bc they pick up right away to sell you a plan.
Overall I do NOT recommend this company.
5
out of 5
POSTED: | BY: Caroline Ginnane
Avoid this company- they won’t cover anything on senior dogs!!
Here’s my experience- purchased a plan for $107 a month for my 9 year old cane corso. Had my vet send Kaya’s health records so I would know everything they consider preexisting conditions. I had a feeling there would be a few things bc she’s 9, but let me tell you- they got back to me 2 weeks later telling me that they won’t cover basically ANYTHING.
There were things under preexisting that the vet has never said are a problem! Embrace said she has plaque buildup yet the vet has always said she has perfect teeth and does not even need to get a cleaning. They also said that she has arthritis so any hip problems are preexisting but arthritis has never been diagnosed, in fact the vet has told us her mobility is great for her age. And they said any cancer &/or lumps will not be covered bc she has had a few (we had them all tested and none were cancer so idk how they can exclude cancer as preexisting). Also, bc I called the vet office to ask about swallowing something (she had not actually swallowed anything, it was a phone conversation) so they said that’s not covered either bc it’s on her record.
Now I’ve been waiting on the phone for 30 minutes to try to cancel my plan which is also an issue bc they pick up right away to sell you a plan.
Overall I do NOT recommend this company
5
out of 5
POSTED: | BY: judith dawson
Could not be more pleased!
Our dogs' Vet bills are paid promptly with no follow up paperwork, with no issues. We are SO grateful. I don't know what people who don't have insurance on their pets do. Quality Vet care is expensive, and our dogs deserve the best they can get. Could NOT be more satisfied with Embrace.,
5
out of 5
POSTED: | BY: Kate Hvizdak
Excellent insurance
We have insured both of our Labs over the past 12 years with Embrace. I researched a number of companies before choosing Embrace and it has been an excellent decision from the start. The claims are covered quickly and reimbursed quickly as well. There have been no issues with coverage which has made the process of treatments for our Labs less stressful. I highly recommend Embrace to anyone considering pet insurance. I tell people it only takes one crisis to make it worth having insurance for your pet. Gives you peace of mind that your pet is covered.
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.