5
out of 5
POSTED: | BY: S.
Kita's Vet Visit
Embrace never disappoints. Very thorough and quick. Thank you!
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.
5
out of 5
POSTED: | BY: Susan
More Time With my Little Girl
After my mother passed away, I inherited her cat. I have had four other cats in my life and this one is so special. My sister tells me she has blossomed in our home and she has come to mean the world to me. I hoped I would have her for 5 more years or so. Since she was 14, I insured her. I was so happy that Embrace was willing to insure a 14 year old cat. For her first two years with us, I was glad that insurance was not needed but I had peace of mind. This year, she was diagnosed with Bowen's disease (a form of skin cancer) and lymphoma. She is getting treatment for both, is doing well and is comfortable. Because I embrace, this special kitty and I will get more time with each other...who knows...maybe 5 more years. What a great decision it was to insure her.
5
out of 5
POSTED: | BY: Tami
Brilliant
Best insurance! Everyone there is so nice. They listen and answer your questions. Claims are handled quickly. This company is the best. I also love that you can use holistic vets.
1
out of 5
POSTED: | BY: Unhappy
cannot recommend Embrace
Exclusions exclusions exclusions! Beware. In my opinion your money is better spent placed in a savings account. A claim was submitted for treatment of a seizure that occurred within the coverage period. There was no diagnosis of chronic seizures prior to when the coverage period began. So no clue how this determination was made. Note that the Vet still has not determined the cause. They are still testing and observing. Note also the claim was not reviewed by a Vet. It was reviewed by a Vet Tech who also determined that ear infections and cancer (my pet has a very small benign skin flap) are also excluded.
1
out of 5
POSTED: | BY: Cookie
anything to deny a claim
Hi all, First off, My dog had a Hematoma on his ear, as a result of external trauma. Embrace denied it because they said it was "probably due to an ear infection," and I am in the waiting period for illness. I appealed it, and when I went back to the vet, and the vet showed documentation that there were "NO SIGNS of an infection." The appeal was denied because the vet mentioned allergies, and that because my dog sometimes gets itchy skin, the hematoma caused by trauma is a "pre-existing condition." Embrace will apparently do anything to deny a claim. I am going to post my story everywhere I can
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.