5
out of 5
POSTED: | BY: This Peggy
Amazing insurance company
This company is outstanding. Great rates, customer service and claim processing. I recommend to all!
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.
5
out of 5
POSTED: | BY: Bethany Nininger
Made a difficult time easier
We signed up for Embrace pet insurance in 2017 after our cat Albus passed away unexpectedly from heart disease. We previously had our pets insured through Nationwide but I was unhappy with the policy options and did not feel like I was reimbursed fairly after Albus passed away. I felt that Nationwide’s plans were limited, hard to understand, and filled with loopholes. We moved the rest of our pets to Embrace and I am so glad that we did! After being insured by Embrace for over a year, our second cat went into unexpexted heart failure and passed away within 48 hours. Because I was able to customize my Embrace policy, I knew EXACTLY what our plan covered and was able to make the best decision for her comfort, health, and end-of-life care without having to worry about what Embrace would or would not cover. Embrace covered approximately $2,200 in emergency vet bills and the full $600 bill for her in-home euthanasia and private cremation. I feel as if their customer service went above and beyond in processing the claims timely, answering my questions about sending in claims after her passing, and showing compassion when it was time to cancel her policy. Submitting the claims online with my phone was also extremely simple. I feel that Embrace practices honesty in advertising since there were no negative unexpexted surprises when it came time to receive my reimbursements. Between my wellness coverage and my insurance plan, they actually ended up covering even more than I expected. The claims were both processed in under a week and th funds were back in my account within days. Because I was reimbursed fairly and timely, I am using the claim reimbursements to fund the upfront costs of a preventative care plan for my remaining cat, which will also be covered by her wellness plan.
Having to worry about money and insurance claims is the last thing I wanted to think about during this difficult time and Embrace made the process as simple and possible.
I recommend Embrace to all of my friends and family (probably a little too enthusiastically) and I will continue to use Embrace for my other pets for life! Thank you for all that you do for pets and their owners!
5
out of 5
POSTED: | BY: Chon
Awesome!
I have had Embrace for 3 years now, and I have never had any issues with claims or anything. Customer service is superior. Embrace has allowed me to focus on caring for my puppy, instead of worrying about how to pay the vet bill. Thank you, Embrace!
5
out of 5
POSTED: | BY: Rosalie
Terrific
Easy and fast submission of claims and reimbursement of claims submitted.
5
out of 5
POSTED: | BY: Lorena
So happy I got insurance when I did
I was so happy I had a healthy bulldog but I was still worried something might happen and I would end up spending my savings if he ever got hurt so i signed up for Embrace. I am so happy I did. My little boy tore a ligament about 9months after I got the insurance and Embrace helped so much. They made me feel like they cared about his health and they worked very well with my vets. They reimbursed me for 80% of the costs of his 2 surgeries after my deductible. and I received the checks fairly quickly. It was great because since I had insurance I never had to decided if I could afford to give my dog the care he needed.
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.