5
out of 5
POSTED: | BY: John
great service
Embrace pays claims fast and is ready to review and approve all valid claims without a lot of red tape. We are delighted with this coverage and told our vet so.
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: Beth
Embrace has been the best for my boxer boy
I have had my boxer boy for over two years now and we recently were dealt with a harsh blow, as he has been diagnosed with Lymphoma and even with chemotherapy he will hopefully be with us for one more year. I purchased Embrace when we first adopted him and he has had numerous medical issues even before the lymphoma diagnosis. Embrace has been wonderful to work with and if it wasn't for them covering all of his issues we would not have been able to keep him healthy. The recent claims submitted for his lymphoma have been processed in just one week which relieves so much stress and allows me to focus on taking care of my baby boy. Everyone at Embrace is caring and wonderful to talk too.
5
out of 5
POSTED: | BY: Ivan
They keep their promise
3 years working with them. My old english bulldog has had a number of issues and Embrace staff has always been truly responsive.
5
out of 5
POSTED: | BY: Genna
Helpful service
Embrace staff was helpful when I called about this claim, and the reimbursement was handled quickly. A relief in getting my pup back to good health.
1
out of 5
POSTED: | BY: Terri
BEWARE
EMBRACE SHOULD BE CHANGED TO RIP OFF PET INSURANCE COMPANY.
This company is not looking to reimburse you on any claims submitted, on the contrary they are looking for any and all reasons not to pay the claims at all.
I've submitted several and all very denied. Claims for illness (such as upset stomach) was declined, their reasoning was because it was a pre existing condition; Claim for rash, again declined, their reasoning was because it was a pre existing condition. Further, stated that he had to be free of any sickness for a whole year. They claim that there is a waiting period, again, this is not true. Sales staff must be coached to make it sound like the real thing; back office is trained to look for reasons not to pay. (this company is out there to rip everyone); don't waste your money with this company
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.