5
out of 5
POSTED: | BY: Peter
Excellent Insurance
Excellent Insurance, have to get dog pre cleared for pre-existing conditions but then well worth it. Just know certain things aren't covered (some dental procedures)
4.9
out of 5
Number of reviews 19,930
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: Ronnie
Awesome customer service!
Embrace makes it easy to file a claim and the process is efficient. So far, I've only used the wellness benefit and it has been a positive experience.
3
out of 5
POSTED: | BY: Liz
Mixed Review
This is the only pet insuranse I have ever had so I don't know if this is normal or not. I have submitted 2 claims so far. My first claim was processed within a week, the second claim has taken 2 months to process and it was for a lower amount. (Actually I still dont have the funds in my account, I just received an email yesterday saying the process was complete). Another thing threw me off - when I called to set this insurance up I was told that full coverage for dogs doesn't kick in until 6 months because detailed records are required. I was told that for cats it's about a month. I have had this insurance for 3 months now and only today received an email telling me all the coverage my cat is excluded from. I guess it just wasn't very clearly explained from the get go.
The people whom I have spoken with on the phone and received email correspondance from are very courteous and professional.
4
out of 5
POSTED: | BY: Lori
Embrace Insurance is extremely user friendly.
I appreciate the customer service, the email reminders, and the people on the other end of the phone line helping me learn how this insurance works. I added the wellness package and with the new puppy, it's been worth every penny. I gave this insurance a 10, but I've never had this type of insurance before.
5
out of 5
POSTED: | BY: Claudia
Very happy
Claim submissions and reimbursement is smooth and timely.
I am very happy with Embrace.
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.