5
out of 5
POSTED: | BY: Edward
Embrace is great!
Embrace is outstanding in every way and I make sure our vet is aware just how courteous and professional Embrace is.
4.9
out of 5
Number of reviews 19,756
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: Gale
Embrace is the best!
Our breeder recommended we get insurance on our new puppy for the simple reason you never know what puppies can get into. Our vet gave us 3 insurance names and after research we chose Embrace. Are we glad we did! Our pup ended up in the ER for pneumonia, was admitted to ICU, thus spent 4 days in the hospital which came to quite a hefty bill. I submitted our claims and had email updates every time the claims had a change in status from pending through approved. The reimbursement for our covered part was in our bank within 10 days from submitting. I was very pleased! We now have both our dogs insured through Embrace. They have been very helpful in answering any questions I have had when I spoke to customer service too.
3
out of 5
POSTED: | BY: Jessica
Got there in the end
Annie our new dog dislocated her hip 2 days after the illness period was over. I was concerned that the claims wouldn't go through and was not surprised to see the claim denied. I was surprised to see the reason why they had the claim denial reason as patient has not passed the 14 day illness waiting period. Dislocated hip as an illness? I called embrace they had me leave a voicemail for someone in claims. Who promptly fixed everything the next business day and the claim was approved. The reason for the issue something about a glitch in the system. The follow up claim for recheck radiographs was initially denied again....the reason being was listed as foreign body not recheck radiographs. I had to call again the claim once again was approved and we were got our money. So if you have them as your pets insurance provider question everything. Call them if you think something should have been covered. Talk to a claims adjuster the main number is staffed with non veterinary people.
Each claim was approved we got there in the end but only because I questioned them .
5
out of 5
POSTED: | BY: Dana
Embrace is by far the best out there
I continue to feel a sense of relief knowing I have Embrace. The claims process is straight-forward and easy and reimbursement is always timely. I wouldn't use any other provider and feel incredibly lucky I found Embrace. Thank you Embrace!
5
out of 5
POSTED: | BY: Cricket
Amazing response time and services.
I always receive great customer service from the representatives, and there is a quick turn around for claim reimbursement. I highly recommend Embrace Pet Insurance to every pet owner I know.
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.