5
out of 5
POSTED: | BY: Jay
Prompt review of the case and excellent resolution
Very satisfied with coverage
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.
1
out of 5
POSTED: | BY: KKW
Pay high premiums and still be out of pocket
Plan to pay out of pocket for anything they call preexisting. And that's anything Embrace can get away with. Then plan to be denied and short changed on claims. Read your policy closely. They seem to love surprising policyholders with bad news. Your vet will have to send records two and three times to get anything processed. And if you have multiple pets, good luck sorting that out. Two dogs can be seen on the same day with claims submitted at the same time but Embrace won't have a clue or will claim not to have a clue as to why you were at the vet, what the diagnosis or treatment was. Everything will be "wellness" and denied.
1
out of 5
POSTED: | BY: Katherine
Avoid this Company
Really poor claims processing. Mistakes that have to be pointed out and they are always in favor of insurer. Two dogs seen on same day but claim that they cannot tell why one is processed properly and the other isn't. Both sent in the same day, both acknowledged the same day. Total crap shoot as to what's covered, excluded, what explanation you get. Any mistake on their part blamed on you or your vet. Just horrid.
5
out of 5
POSTED: | BY: Nancy
So glad I bought this insurance
I purchased Embrace Insurance about 2 years ago when we just had one dog. When we adopted our second puppy (a little over a year ago), we added him to the policy. Our younger dog started limping badly and was diagnosed with a torn ACL. He had TPLO surgery to correct it. The claims procedure was straight-forward and easy. When I had a question and called, the REAL person I spoke with was polite and professional. Best of all, the policy paid extremely quickly. Couldn't ask for more!
5
out of 5
POSTED: | BY: Janice
The best
What a wonderful pet insurance company. The reimbursements are always very prompt. I would never own a pet again without Embrace.
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.