5
out of 5
POSTED: | BY: Claudia
Very happy
Claim submissions and reimbursement is smooth and timely.
I am very happy with Embrace.
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: Melanie
Very Satisfied
Embrace pet insurance is very quick on the reimbursements usually get my money within 3 days of the initial submission of the claim. I never had to deal with any issues on getting my reimbursement. Highly recommend
5
out of 5
POSTED: | BY: Cherise
Awesome service
I receive feedback within 2 business days of filing a claim and I am reimbursed within a week.
5
out of 5
POSTED: | BY: Don
Love
I always thought that love was personal until we got to know some of the people at Embrace. You see, God saw fit to entrust us two of his special creations that were in need of parents willing to go the extra mile for them. One was diagnosed with inoperable cancer, the other was on the verge of losing both kidneys until an amazing surgeon took a bold chance. Today Tia, our 9 1/2 year old German shepherd and her buddy Holly, an 8 1/2 pound Ocicat romp around the house as if nothing was wrong with them. Love is never giving up. And love, is the people at Embrace that never fail to ask how they are doing and are we supporting your efforts? More than just an insurance company looking for an annual check - they care and they are always by your side when the road ahead seems difficult. I think I know a little about love, having written three books about the love and pain of pet loss and the need for believing that even the impossible is possible. Just ask Embrace, they were by our side in each instance.
5
out of 5
POSTED: | BY: Kyle
Superb Coverage and Service when you need it most
This review covers two claims (totaling almost $5000) related to the same surgery handled by two different Embrace colleagues: When you pay your premiums, hoping and never expecting anything to afflict the ones so close to your heart, you may wonder if there are cheaper options. However, a recent surgery and the way Embrace stepped up to the plate to cover it without question and fully honoring deductibles and annual premiums was so impressive. I'm unable to compare to other plans as I spent hours (maybe a couple of days) comparing insurance options, chose Embrace, and never looked back. I was just recently reimbursed in less than a week for surgical claims. You get what you pay for with Embrace! And, they know how to hire smart, patient colleagues to answer questions. I continue to be impressed!
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.