5
out of 5
POSTED: | BY: Shasta
Superb Coverage
Superb coverage, fabulous service and quick response to claims.
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: Esther
My little Willow is doing good!
So far, things have gone good with Embrace. I adopted a shelter kitty and she arrived with some dermatitis and sneezing. They did put a temporary year hold on any medical reimbursements for these items, as pre-existing conditions. Not an issue for me as both cleared up quickly this some basic care. And no reimbursement ever pertaining the kink in her tail...but that's cosmetics so who cares! Where I have appreciated Embrace is my little Willow episodes of mouth breathing/panting and that is not normal for cats. X-rays (covered by Embraced per my insurance coverage choices) showed clear lungs (yeah, no signs of asthma!) but where not conclusive on her heart. They covered the echocardiogram and had my claim processed in under a week. It frightening when you have a young cat--just a year old--having indications of abnormalities and within the first six month of my insurance coverage. But Willow is doing great and I'm optimistic I will not be making another claim for many, many year!
5
out of 5
POSTED: | BY: Connie
Great customer Service
Very easy to use. Usually receive payment within 2weeks.
5
out of 5
POSTED: | BY: Matt
Coverage was as complete as it gets, and my claim was processed very quickly without fuss.
I took my dog in for her annual checkup. I submitted a wellness claim on Wednesday. 100% of the amount was covered, and th claim was approved on Monday. You just can't ask for any more.
1
out of 5
POSTED: | BY: Robin
Will find any reason not to pay!
My experience with Embrace has been nothing but frustration up until this point. They have denied every claim that is for any substantial amount of money and indicate it is all not covered because of pre-existing conditions, when in fact, surgery needed to be done to determine what the real issue was. They don't care and seem to be classifying EVERYTHING as a bladder infection! I am currently in an appeal with them, but I am not optimistic.
Buyer beware, if you take your pet in for a wellness check, pray they do not find any type of infection within the first 2 weeks or Embrace with NOT cover ANY subsequent treatments!!
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.