5
out of 5
POSTED: | BY: Melih
Flawless
Embrace insurance has achieved what it has promised to do.
Our claim was flawless with our minimum involvement.
Information is available via online portal.
4.9
out of 5
Number of reviews 19,874
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: Ruth
Love the wellness coverage. Embrace is very easy to deal with, and Sampson gets the best care
So far we have a healthy boy, but are very happy with prevention and wellness. I don't think many insurance companies offer this.
Also, claims are taken care of very fast. Have had other pet insurance previously, and this is the best.
Thankyou.
5
out of 5
POSTED: | BY: Cato
Amazing insurance
This insurance is amazing and a blessing . They are so quick to process claims !!! My puppy has had some issues and embrace insurance was exactly the way they advertise .
5
out of 5
POSTED: | BY: Abby
UPDATED REVIEW; DELIVERS AS PROMISED
I left a 10 Star review in 2015 & I wanted to follow up to let people know of my positive experience with this company. This will be a long review so if you don't want to read it all, here is the Short Version: Embrace does what they say they will do. You need to read your policy (several times) and truly understand the Terms and Conditions. I honestly believe that all the negative reviews are because the policyholders do not understand the pre-existing rules, specifically in regards to the temporary pre-existing exclusion guidelines.
Long Version: I bought a policy for my 8yo DLH in 2014. After the 2 week waiting period, I immediately requested a Medical History Review. The results from Embrace were that my cat had a temporary pre-existing condition of enteritis. (He had an undiagnosed case of diarrhea a few weeks before I purchased the policy.) They explained that as long as he did not show any signs or symptoms of diarrhea for 12 months, the exclusion would expire and my cat would be covered for all illnesses and accidents during the life of the policy. Malibu was healthy and showed no signs of illness for 3 years.
In March 2018 (almost 4 years into my policy, he was suddenly lethargic & lost his appetite. I brought him to the vet who sent me to a specialist, where he was eventually diagnosed with Large Cell Lymphoma (an aggressive form of cancer). We tried giving him medication & appetite stimulants to get him in better health so we could start chemotherapy. He unfortunately deteriorated too quickly and I had to make the sad decision to put him to sleep a few days later.
I filed my first ILLNESS claim & Embrace covered every single thing, including the exam fees, diagnostic testing, bloodwork, the biopsy, radiograph, medication and even his euthansia (minus the deductible & copay, of course). They procesed all of my claims quickly & without heartache. I would (and do) absolutely recommend this insurance company to everyone I can.
I'm still so sad about losing my baby but I am getting another kitten later on this month and I will be purchasing a new policy for him with Embrace as soon as he comes home.
5
out of 5
POSTED: | BY: Karine
Embrace is excellent, efficient and caring!
Embrace is a wonderful company! The people are very kind and caring. It is fast and easy to submit claims.
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.