5
out of 5
POSTED: | BY: Kim
Y'all are fast with claims.
Love our Embrace Insurance.They are fast and friendly
4.9
out of 5
Number of reviews 19,895
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: Janis
This time was easy no hassle.
Was really please this time when submitting a claim. There was no hassle and the claim was processed timely.
5
out of 5
POSTED: | BY: John
Embrace made it possible for my Gus to spend more time with me
When I took out health insurance on Gus I did so just on the possibility that he might injure himself while duck hunting. For his first five years he became a trusty hunting buddy but as dogs do he became a member of the family. I never filed a claim for routine care or anything. Just kept the insurance for that improbable accident. Then I noticed one week lumps in his neck. Sure enough it was lymphoma, the worst kind. The vet said he had maybe two months. But because I had health insurance I took Gus to a pet oncologist and she confirmed the worst. I called Embrace about the possible treatment. They said it is covered, just provide the necessary information, forms, and receipts. Gus started chemo immediately and is halfway through his course of treatment. Because I caught it right away and sought specialized care and Embrace responded immediately Gus is progressing well with a good prognosis following completion of treatment for years of remission as opposed to losing him by now. Thanks to Embrace and their caring and responsive staff. John
5
out of 5
POSTED: | BY: Margaret
Embrace is so easy to work with, I wish MY insurance was this easy!
It is so easy to file a claim with Embrace and before you know it, your refund is in your checking account! Piece of cake. The big people insurers would do well to study this company! Also easy to talk with a real person if you need to.
4
out of 5
POSTED: | BY: Peg
Satisfaction decreasing
My satisfaction with Embrace has unfortunately lessened in the past year. I have received three different sets of instructions as to how best claim medications purchased online (but with my vet's Rx). The inconsistency is confusing, and I did have one claim rejected based on a pre-existing mass my dog had, only the vet invoice says nothing about a mass... However I must still say that customer service responds quickly to my questions and they are pleasant and the hold time is minimal. And I have not had any issue with Embrace until this past year.
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.