5
out of 5
POSTED: | BY: John
excellent
Embrace paid promptly and did not try to play games like so many pet insurance companies. We will be sticking with this excellent company.
4.9
out of 5
Number of reviews 19,934
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.
1
out of 5
POSTED: | BY: Anonymous
Denied then approved, several times
For a company that says they are open and honest it sure if strange that I keep having claims denied, every time I call in they tell me it's a system issue and they've fixed it. Sure seems shady to me... Like they do this to people in hopes they don't notice.
5
out of 5
POSTED: | BY: David
OUTSTANDING!
We have used another company PRIOR to Embrace and they always had an excuse or reason why they wouldn't cover something. Our vet mentioned Embrace to us and I was leery because of how much money we spent monthly with the previous company.
I called Embrace to inquire. I was greeted by the nicest customer service representative and she explained everything. We signed our new puppy up and its been the BEST SERVICE AND COVERAGE EVER! We added another new puppy a year later and I am about to call and add our newest puppy.
Embrace is awesome, easy to work with, and always concerned about your pet when you call in a claim.
3
out of 5
POSTED: | BY: Susan
Problems with fax
I haven't put through enough claims to determine how I feel about the service overall, but we had a big problem with faxes not being received. My vet tried to fax the medical records 3 times and got so annoyed that she told me she won't handle the insurance forms with Embrace anymore.
Staff has been pleasant though.
5
out of 5
POSTED: | BY: Joy-Marie
Embrace - Quick Efficient Easy
I have had Embrace for a few years, and this was the first year I had to use for illness. Claims were paid within a few days, Customer Service answered my questions clearly. Fell very at ease knowing I have this for my cats.
Wellness benefit, makes the amount spent yearly worth it.
Highly recommend!
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.