5
out of 5
POSTED: | BY: Debra
Great company
They have covered all my expenses as they said they would. Never gave me a problem with any of the bills. Payment was quickly issued. Glad I have them in my corner.
4.9
out of 5
Number of reviews 20,006
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: Linda
PreExisting Condition
If your looking for a pet insurance for your dog, then do it when it is a puppy, and do your research. Ask your Vet staff which one they like. A lot of Vets want you to pay upfront and some will submit your bill for reimbursement. They use Vet records to determine if your dog has a pre-existing condition and decide not to pay for the service. And, know that most do not pay for well examines or vaccines. Prime example is ear infections, which can be a reoccurring condition in some breeds. Especially Labs who love water. Digestive problems can be determined as pre-existing. Your Vet can rebut the condition, so make sure you have a Vet willing to do this.
5
out of 5
POSTED: | BY: Barbara
If you have a pet, you need Embrace Insurance.
I've never experienced such amazing claim handling and customer service with any other pet insurance company, this has been the BEST experience. It's the same great service on wellness coverage as it is for illness coverage. I was skeptical when my vet suggested a company I was not familiar with, but man, I am so happy she did!
5
out of 5
POSTED: | BY: Kim
Quick and Easy Claim Process
Embrace Insurance has helpful and friendly customer service, they made the claims process so simple and quick. It's reassuring to know that having Embrace Insurance, if an emergency arises, we won't have to worry about the financial aspect and we can just love and be there for our dog.
5
out of 5
POSTED: | BY: Brianna
A few bumps in the road
Initially I was very excited to have my dog covered by Embrace. I am a USAA member and got a good discount based on that referral. I was also worried that my rescued pitbull mix would not get a fair shake and be denied coverage. Thankfully the people at Embrace were more open minded than that and had no issues covering her. The issues started when the first claims came in and started to back up. No one was going through her previous vet records and kept telling me that I needed to submit more information even though all available info was made available multiple times. Months went by without payment and claims piling up until one day and several phone calls I finally spoke to one wildly intelligent and patient young man who took the time to piece together what I was so frustrated about, and managed to process all of my claims in 24 hours. I don't believe I told him I was really calling to cancel my policy that day but he managed to stop me. I wish I could remember his name. I'm sure it's written down somewhere. It just takes one person to listen.
After that ordeal, I haven't had a single problem and Embrace has been a delight. Even for medical claims I wasn't sure they would cover. My dog is my family and she has medical costs like any other child or human. Embrace makes it possible to afford these things and enjoy other things.
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.