5
out of 5
POSTED: | BY: Elissa Holt
Great customer service, quick refunds!
I have never had any problems with any claims I have submitted to Embrace Pet Insurance. Fair pricing and great customer service.
4.9
out of 5
Number of reviews 20,322
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: Donna Simmons
Great Insurance and customer service
My French Bulldog Bentley has bilateral luxating patella surgery. Embrace paid the surgery claim and now are paying for his physical therapy at the rehabilitation Specialists.
I wish I had Embrace Insurance for myself.
4
out of 5
POSTED: | BY: Lupe Zauss
Very prompt to reimburse you the expense
I am very happy with the insurance, with my 2 pets it really helps to keep my dogs healthy and you don't have to think twice when your pet needs doctors attention.
5
out of 5
POSTED: | BY: Julia
Great customer service and claim reimbursement.
I couldn't be happier with this company. I used to have PetPlan and they were great but my premiums were hiked up after a few years and it was too expensive. Embrace was much more affordable, and had all the great aspects of the other company. They have been responsive to my inquiries. My shepherd had a back injury and they have paid for my claims for his MRI, surgery, and rehab. There was even a misunderstanding from my vet records that made them deny a claim, but when I had the vet write them an explanation, they then covered it. Very impressed with their integrity.
5
out of 5
POSTED: | BY: Kay Pearlman
How quickly Embrace responds to emails!
I have had Embrace Pet insurance for my "Malt-shi" (Maltese/Shih-Tzu cross) since March, 2016 and have been very impressed at how quickly most claims are processed! My latest claim was for over $3,000 and was sent late in the day of my dog's surgery (Oct. 5) and by Oct. 11, the claim was already processed; today (Oct. 13) the funds were already deposited into my checking account - one week from start to finish! I also greatly appreciate how quickly the Embrace staff responds to emails and questions we may have. Needless to say, I am very impressed!
The reason that I gave Embrace a score of 9 instead of 10 is because there were a couple of occasions when the vet's office had sent in claims, but Embrace claimed they had never received them (this was mostly early-on when we first became "Embracers.") Also, our other dog had been insured by both Embrace and another pet insurance company last year, but, due to surgery during the waiting period, we first dropped and then intended to renew his Embrace policy this year, but he had so many exclusions that we decided to insure him only with his original provider even though are not rated nearly as high nor are their premiums as reasonable as Embrace. When we dropped him from Embrace during the "one month trial period" I was given the impression that there would be no charge for this month; however, apparently I was wrong and Embrace still charged me for that month. I didn't mind so much that I had to pay that premium, but feel that this policy needs to be stated more clearly.
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.