5
out of 5
POSTED: | BY: Lisa
Great Service
I've not had to use file many claims, however when I have they have been very quick to process them and answer questions. Highly recommend.
4.9
out of 5
Number of reviews 20,007
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: Alan
Embrace, a 10 out of 10 pet insurance company.
I rescued a 2 year old miniature poodle after the passing of my 18 1/2 year old poodle. I did have pet insurance for the first pet, but not Embrace. That company was OK, but had many restrictions. I researched many of the available pet insurance companies and settled on Embrace. It was the best decision I had made for insurance. My vet hospital automatically submits my claims to Embrace, and then Embrace notifies me they have receive the claim. In a few days I receive another notice that the claim was approved. Then in another few days, I receive the check. I have never had a claim rejected, or questioned. I only wish my own health insurance company was as responsible as Embrace. I also told my Vet hospital that if anyone asks about pet insurance to mention Embrace Pet Insurance on my recommendation.
5
out of 5
POSTED: | BY: Terry
Thank you for peace of mind.
Thank you for being there when we needed you most. I can't say enough. Claims aren't haggled, they are paid quickly, and customer service is more than willing to help. I have used several different insurers over the years, and by far, Embrace is the best! Thank you!
5
out of 5
POSTED: | BY: Lynn
Fantastic Service
Our young Rottweiler had a successful major TPLO surgery 5 months ago. Embrace processed and paid the claim in a smooth and timely manner. So, when my clumsy girl twisted her now healed up leg and tore the meniscus in the same knee, I was upset on so many levels. She was unable to walk or stand, intense pain made her immobilized. She needed a wholly unexpected surgery to remove the torn cartilage. So grateful that it was covered by Embrace with their smooth and flawless service. It was so helpful to not worry about the insurance/financial impact of the injury and be able to attend to the care of my girl instead. Happy to report she is up and about without pain!
5
out of 5
POSTED: | BY: Bob
Excellent Followup
Unfortunately my dog Cody a seven month old golden retriever broke his leg playing in the back yard. This required extensive followup visits at the vet. All of the claims were covered timely except one. When I emailed Embrace about it, the claim was reviewed and approved within an hour. Exceptional customer service. I also appreciate no reasonable and customary charge list.
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.