5
out of 5
POSTED: | BY: Julia
Quick and efficient
The process was quick, easy and efficient. They handled everything and reimbursement was quick.
4.9
out of 5
Number of reviews 20,003
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: Nick
Cancer finding.
Embrace seemed guenuinly sympathetic about the news. It was nice that the first conversation was not about whether or not the claim would be considered valid. We recieved a sympathy card that was incredibly nice and very personal with handwritten messages. The claim was fairly easy since there was limited paperwork, probly as good or better than any insurance claim. I rated it only an 8 because having to make a claim while losing a dear friend was aweful, and it took 2 months to get word of the completion of the claim. I have paid thousands of dollars in vet bills before getting insurance , and it was nice that during Tanks end of life I did not have to worry about the costs.
2
out of 5
POSTED: | BY: Peter
So much paperwork for a medical background needed for a straight forward claim
The veterinary hospitals and small vet practices don't want to deal with insurances - they told us this fact. Embrace insurance company wanted the background notes for a pet history. Consequently it took a very long time for the claim to finalize and I'm sure much hassling between Embrace and these providers to get the info they wanted/need. I'm guessing these providers don't want the overhead of the insurance claim process.
This is the first pet we enrolled for insurance and it was a very frustrating process.
5
out of 5
POSTED: | BY: Christy
Easy to file a claim and quick payment
Vet was very familiar with Embrace and completed the form and sent in our behalf. Had a check in less then a week from date of service!
5
out of 5
POSTED: | BY: Rachel
Dachshund IVDD
Thank you so much. I never thought my dachshund would require back surgery—we’ve done all we could to keep him healthy. Embrace was recommended as covering breed-specific issues. It was nerve-wracking waiting bc the bills were so high, but the customer service was great. Thanks in particular to Shannon. Thank you!
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.