4
out of 5
POSTED: | BY: J.
Cost high vs claim limit
Very good company, wellness plan not worth it, cost too high vs claim limit.
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: Patrice
Charlee kicked cancer and now there's a neck issue
Embrace, what would we do without you and your amazingly patient and empathetic staff?! No matter what the issue the response time is usually 3-5 business days and you have your claim response.
4
out of 5
POSTED: | BY: Denise
Claims denied or in limbo.
My dog has had vaginitis for the past month or so. It has not responded to antibiotics, so my Vet. recommended a cytology plus a culture and sensitivity. From what I can tell, the claim has been denied and has been labeled as a "Wellness" visit. This was not a Wellness visit - this was to determine why my dog has pus coming out of her vulva. My dog also drops to the ground after short vigorous exercise. Again, not normal that an otherwise healthy 2 year old dog would be exhibiting this behavior. My Vet. sent in a test to determine if she has a condition caused by a defective gene. This claim is either under review or has been denied under the "Wellness" label. I can't tell which because both claims have a date of service of 8-22-17. Neither of the 2 Vet. visits occurred on this date. I'm assuming this is the date the claims were sent in. Every single claim has had an incorrect date of service. This makes it difficult to know which claim is which. I'm starting to get a little stressed out about this because my credit card payment is due. I purchased insurance for my current dog because my last dog cost me a fortune. I am understandably upset that my dog is having all these health issues at 2 years of age, but at least I knew I had the insurance and wouldn't have to worry about how to pay for everything. Now that doesn't seem to be the case. So know I'm going to have to start making phone calls - again. I'm not sure how I feel about Embrace insurance right now. I think I'd still recommend it, but probably not as strongly as before.
5
out of 5
POSTED: | BY: Judy
Easy & quick refund
We are extremely happy with our results from our claims. Results after a routine blood test done annually by our Vet alerted us her liver needed checking out. After more tests and xrays our Vet put her on supplements and prescription dog for liver. After 4 months her liver count is back to normal. She just needs to stay on the prescription dog food. I collected my receipts, took the claim form to my Vet to fill out and mailed them to Embrace. They sent a email informing us they received the claim. A few weeks later we got an email stating our claim was completed. I logged into Embrace and everything was listed. It was very through and easy to understand. So happy with our refund and Embrace.
5
out of 5
POSTED: | BY: Heldy
Embrace is awesome!
It is so worth it getting pet insurance from Embrace. I am very pleased with them. Embrace rocks! Thank you!
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.