5
out of 5
POSTED: | BY: Brenda
Except customer service!
Left call back request, and Dan called me back with 10 minutes. He attended to my concern in a professional manner. Very caring!
4.9
out of 5
Number of reviews 20,001
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: Liliana
Good assistance with Embrace Pet Insurance
Embrace Pet Insurance reimbursed me great part of the cost of my dog surgery. Good assistance!
Duke and I thanks Embrace a lot.
5
out of 5
POSTED: | BY: Ellen
Outstanding Response from Embrace
I have been very impressed with the timely response from Embrace in covering very unexpected, substantial expenses incurred in the attempt to diagnose the cause of our little dog’s seizures. I am very thankful that 80% of the total was covered, and our dog is now home and healthy. Thank you, Embrace!
5
out of 5
POSTED: | BY: Marion
Claim service was efficient, friendly and easy to use.
We winter in FL and live in PA. While we were away Marley had several trips to the vet in FL and I submitted all the claims when I got home. We had payments for all submissions within 10 days.
5
out of 5
POSTED: | BY: Eric
Impressed with service
I've had insurance on all of our dogs since they were 8-week old pups because dogs for us are not just pets, they are full-fledged members of our family. The thought of having to let one go because we couldn't afford an expensive surgery is just unthinkable. That said, I've always been skeptical about pet insurance companies in general. I've read a lot of bad reviews and horror stories about them, and have always wondered whether they would actually pay if we had to file a claim. I switched to Embrace a few years ago because the pricing was better than what I was paying and the reviews were good. I recently had to rush Carmela, our little Chorkie, to an all-night vet hospital 40 miles from where we live because they were the closest place open at night. Her stomach was severely bloated and hard as a rock, and I was afraid that she might have an intestinal blockage and might not survive the night without surgery. It turned out that there was no blockage, but the hospital really took advantage of us and the bill was over $1300.00. I submitted a claim to Embrace, thinking that this was the acid test. I had all of the required documentation, and according to my policy this was a legitimate claim. If they did not pay, I was going to forgo insurance on all of our dogs and start a dedicated savings account instead. Embrace makes the online filing very easy, and I got an e-mail in minutes confirming the filing and telling me I would hear back from them in 7-10 business days. This morning, a week later, I got another e-mail telling me that my claim was approved and a check was in the mail. I am very pleased and impressed with Embrace, and will continue to insure all of our dogs with them. I can't say enough about how highly I recommend them.
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.