5
out of 5
POSTED: | BY: Kelly
You have to fight to get this company to help you.
You shouldn't make your customers pay out 100% to be reimbursed 90%. You could help more animals by paying once we pay our deductibles.
4.9
out of 5
Number of reviews 20,336
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: Frank Eaton
Excellent Service
We had a prior insurance company that one day stopped writing insurance in Florida. After some research and consultation with USAA, we found Embrace which is a referral. While every insurance company has issues, we have been very happy with the speed of processing and the extend of coverage. While we hope we won't need to hit the limits of the policy, we have peace of mind.
5
out of 5
POSTED: | BY: David Sailer
Saved her life
Layla got sick so sudden and her care cost a fortune - thank you Embrace for being there and helping save her 6 year old life - she is back annoying me with her relentless tennis ball fetching!
1
out of 5
POSTED: | BY: Stormy Barton
DO NOT buy Embrace Pet Insurance!
I have been paying my premiums right on time for years with Embrace, but I have spent the last two and half months trying to get them to cover a couple of procedures / surgeries for my dog. First they call the wrong clinic to get medical records instead of contacting the clinic whose name was on the forms I sent them. Then they have insisted over and over and over again that they don't have the complete medical records and my claim is being upheld due to that. My vet has sent the forms over and over again to them. The dog is only 14 months old - how many records can he have? And they have them ALL - multiple copies, but they are still stalling while my credit card charges multiply because of course I've already paid for the surgeries. Save yourself the headaches I have been having and go with a different company!
5
out of 5
POSTED: | BY: Julia H
Quick and efficient
The process was quick, easy and efficient. They handled everything and reimbursement was quick.
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.