5
out of 5
POSTED: | BY: Sherrie
Claim portal is insufficient
The portal requests (insists) I register, but I'm already registered so I can't get into portal. I can't get status of my claim.
4.9
out of 5
Number of reviews 19,765
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: Tamie
Canceled after 3 months
After over 3 months of paying for my two dogs, and jumping through all Embrace's "hoops" - ortho check, turning over files, etc., it became apparent that virtually any condition my 7 and 8 year old dogs had was going to be considered pre-existing. Middle ear infection? Sorry, not covered because he had a yeast infection in ear prior. Visit to vet for panting,(which can be a sign of pain in dogs)? Sorry, not covered because he had been brought in previously for "labored breathing." News Flash: Labored breathing/panting is a SYMPTOM of something else. You suggested I can, however, call my vet and have her "write us a letter, explaining why it's different." Really? I don't have time to investigate and fight you over every claim, nor does my vet. (And this was just to go toward my deductible.) I should have known from your initial threatening email practically accusing me of faking my dog's ortho exam (yes, the one you request of new policy holders) that you were not a company to be trusted. I predict that once word gets around, Embrace won't be around for long. I highly recommend you stay away from this company.
5
out of 5
POSTED: | BY: Nicole
Great coverage and affordable insurance
Embrace is very user-friendly. I love that you can report a claim in multiple ways. I took a picture of my invoice and uploaded it to my embrace and it was done in two days. I am very satisfied. Also, their customer service goes above and beyond.
5
out of 5
POSTED: | BY: Deborah
Incredible service and compassion!
Our claim was processed promptly and the Embrace staff were so thoughtful and caring regarding the loss of our beloved Maiya. They even lit a virtual candle on her behalf at IRememberYou.org.
I highly recommend this company and will continue to have our cats insured with them. It's comforting to know that they are there to help when you need assistance!
5
out of 5
POSTED: | BY: RivahDog
Pet insurance is a must nowadays
Recently I spent close to 4K on my 12 year old dog to have a fatty tumor (non cancerous) removed from his leg. It has significantly improved his quality of life, but it certainly decimated our finances. My mother had a 3.5K bill for her dog that swallowed parts of a dog toy and my sister has spent over 10K on her dog treating Valley Fever. Both of the other two dogs were under 6 years. I now carry health insurance on my other two dogs as they are active in the water (injury potential), attend doggie daycare (easy to pick up other diseases), travel with us (could get lost), live in the woods (disease & injury potential from wild predators), etc. The only negative is that there is a lot of paperwork your vet must supply in the beginning. Also the orthopedic exam has to be done after their insurance date. So it will cost me another vet visit.
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.