4
out of 5
POSTED: | BY: Rocio
i am pleased with EMBRACE.
I am happy with EMBRACE, they contact me via e-email to keep me posted on the process of the claim.
4.9
out of 5
Number of reviews 20,006
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: Nancy
So, so very thankful I bought this policy
We have had multiple issues with our 2 1/2 yr old Hank, ranging from TPLO surgery for torn ACL/CCL to choking because of ingesting unknown substance to allergic reaction to plate from TPLO (causing multilple infections) and then plate removal. These ranged in cost from over $4000 (TPLO), $1500 (plate removal) to several hundred for various xray, etc. All these occurred in less than 10 months. I have NOT waited more than 2 weeks for ANY re-imbursement. And all have been fully what I calculated. I can only guess for those not having the same results that perhaps their vet did not complete all the paperwork properly. Once our vet filled out initial paperwork, following claims were so simple to complete. I could not be happier with Embrace. I am SO thankful we took out the policy when our dogs were healthy!
5
out of 5
POSTED: | BY: Jackie
Embrace is good
Embrace (so far) has been great! We got insurance when our girl was just a puppy and never really used it until recently when she tore her ACL! I ended up meeting my deductible because of all her care prior to the actual surgery. So the cost of the surgery on my end when everything was said and done was roughly $500! Every time I call, I get a representative almost immediately and I’m never transferred around. I get the answer to my questions from whomever I’m speaking to. All their staff are clearly well trained and have plenty of knowledge about the insurance itself. My payments only went up $20 after her surgery which was awesome because I thought I’d be paying WAY more since they basically paid her whole surgery. If you’re not one to sit on the phone, you can do everything online. It’s super easy and literally explains everything! From claims to coverage to payments! I can honestly say getting pet insurance was the best decision I’ve ever made and when we get another puppy next summer I will be getting her, her own insurance as well! The only downside and this is with all insurance is that whatever happens CAN NOT be a pre-existing condition. When I first sent in the pre qualification claim for her ACL surgery they wanted e v e r y t h i n g to make sure it didn’t happen before we had got the insurance. Get it when they’re young or you’ll be kicking yourself when it’s too late! The claim for her surgery did take a little extra time but that’s because embrace paid the hospital directly - so I can’t really blame them since there was quite a bit of papers to fill out and it was amazing to not have to dish out that cash and have to wait to be paid back! Just another great thing they do direct pay if the vet will agree to it!
5
out of 5
POSTED: | BY: Rebecca
Thankful for the Coverage
The claim was easy to complete and submit and I recieved quick payment as reimbursement. I am thankful that FORLs are covered since I know sometimes dental issues can be a different story. I do wish that MORE of the expenses had been covered but I guess every little bit helps.
5
out of 5
POSTED: | BY: Brian
Embrace Is a Great Pet Insurance Company
Embrace is always accurate in my opinion of insurance coverage. I am appreciative of the support I received when I have an emergency with my furry friend.
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.