5
out of 5
POSTED: | BY: Patricia Maggard
They are quick with the processing and very pleasant to work with.
They are very good, friendly and quick with the working the claims.
4.9
out of 5
Number of reviews 20,332
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.
4
out of 5
POSTED: | BY: Margaret Willis
Great customer service and prompt reimbursement
Their customer service team is top notch. Reimbursement is prompt and they are quick to accept responsibility if an error is made. The flexibility of plans available is almost infinite. The only negative thing I can say is that the premium increase is disproportionate to one year of aging and premiums can become extremely high as your pet ages; even keeping the same plan.. One may want to consider what it would cost to put that money aside as opposed to paying out monthly premiums. I'm sure I've paid out more then what I've received in reimbursement. But I started when they were kittens so now it's too late to change. (Of course, I can always change plans/get a cheaper plan - but the reimbursement, BENEFITS/premiums will be less.) Good for when your cat is a kitten up until 5 years old but costs jump dramatically after that.
5
out of 5
POSTED: | BY: Melissa
Excellent Customer Service
I was very impressed with the customer service. I procrastinated buying pet insurance, and I am so glad I did. About two months after I purchased insurance, my dog bloated and had an emergency GDV and then had complications after surgery which put him in the hospital for two days over Easter weekend. Embrace processed our claims very quickly. I did have one of his claims get denied that shouldn't have been. I called and explained the claim, and they opened the claim back up and fixed it right away. I would definitely recommend this insurance company to any pet owners.
5
out of 5
POSTED: | BY: JoAnn Ploen
Great experience with a very traumatic injury
Our dog Shotzie needed double ACL surgery. She was almost 11 at the time. Instead of considering the cost we had Embrace to help to focus on our family member. It was 2 years ago she had the surgery and we rehabilitated her and Shotzie is running and playing. A great dog. Thank heavens for Embrace!
5
out of 5
POSTED: | BY: Heidi Orme
This is the best company for pet insurance EVER!
Our 2 dogs have been afflicted with my “black cloud!” Thanfully Embrace has been there through it all! I wish they could insure us humans!!! They are a Godsend!!!
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.