5
out of 5
POSTED: | BY: Pat C
EXCELLENT SERVICE....FAST AND EASY FOR WELL ANIMAL COVERAGE
Always excellent service. Quick reimbursement. Answers queries quickly. Easy to work with.
4.9
out of 5
Number of reviews 20,319
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: Jane Knight
Excellent customer service and knowledgeable
Everything was explained clearly and they made sure I have the right insurance for my puppy.
5
out of 5
POSTED: | BY: Matt
Amazing Customer Service, Claims Paid Correctly
I cannot say enough how grateful I was to have insurance with Embrace. In the final month or two of my puppy’s life, she racked up about $3000 in various vet bills. Embrace paid every single claim just as I expected them to according to the policy terms I had. After paying the last one, the claim adjuster who handled most of the claims expressed her condolences in the EOB and closed my policy so I wouldn’t be billed anymore. I wrote her an email thanking her, she emailed me back, and I even received a handwritten card in the mail from her and Embrace. I never wanted to need Embrace but I’m sure glad they were there. If you’re comparing pet insurance providers, you won’t regret going with Embrace.
1
out of 5
POSTED: | BY: Jon Cloutier
Terrible experience - Embrace goes to great lengths to delay and not pay claims
I have had Embrace insurance on three of my dogs for about a year and never had to make a claim. My dog scratched her eye while she was scratching her ear, and needed to go to the Vet. They did an eye stain, determined the scratch was minor, and prescribed some medicine to put on the eye for a week. In total the initial vet visit and follow-up was about $250. I filed a claim with Embrace and provided the required paperwork and invoice. My annual deductible is $200, so I figured a couple days to process it and I would get a check for $50 to cover the claim. Well it's been over a month now. Embrace provides ZERO communication on claims status. When I would call to check the claim, they state they need additional health history information from the Vet. Then nothing happens for another week until you call again. And then they say they need some other health history documentation from the vet. No one can explain how a simple minor scratched eye injury requires such extensive health history documentation, or what the documentation is needed for. It's not like a dog scratching itself is a pre-existing condition. In my opinion, Embrace is a SCAM. I would encourage you to skip the fake glowing reviews, and read the reviews from real people on here that have had to file a claim with Embrace.
5
out of 5
POSTED: | BY: Renee Spinelli
Embrace is excellent in customer…
Embrace is excellent in customer service and I love this 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.