4
out of 5
POSTED: | BY: Juli
Review of claim handling
Process claims quickly. Usually within 1 week .
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.
1
out of 5
POSTED: | BY: Virginia
Will be canceling soon
I have had it with Embrace finding one excuse after another not to cover my pets claims!!!! I have 4 pets with you and every time I submit something there is an issue!!! Why do I need your insurance? I might as well put the $81 a month in the bank, so I will have a way to cover their issues that arise that you don't feel you should pay. Like a ruptured cyst on my dogs tail that may need amputation at some point? Or my cat need anesthesia because he had lesions in his mouth requiring 8 teeth to be pulled and probably more later? You viewed anesthesia as not medically necessary, because they also cleaned what was left of his teeth! You know, because that would have been comfortable for them to keep him awake and alert for that procedure!! So done with EMBRACE and their lack of respect for my pets problems. Why did I sign on for this if you were going to find an excuse not to cover every claim???
5
out of 5
POSTED: | BY: Jen
Great coverage, quick payouts
I was pleasantly surprised by how quick and easy using our coverage was when our cat got sick last month. Payouts were quick to arrive and customer service was great.
5
out of 5
POSTED: | BY: Carin
Great Insurance - Very Responsive
We have had Embrace Pet Insurance for the past year and a half. We currently have three dogs covered under both the insurance and their wellness program. Fortunately, we have not needed to use our insurance much, but the last few months have been one thing after another. Despite some of the high claims we have had to submit, the process has always been very smooth and efficient, payments have been timely, and the customer service has always been phenomenal.
5
out of 5
POSTED: | BY: Avril
Lameness
While on an afternoon walk last fall, my dog and I were attacked by 2 pittbulls. My dog had some surface wounds that we treated at home, but unfortunately, he was hurt a lot internally. He was no longer able to jump and when he ran, he fell over howling in pain and couldn't walk . We had to often carry him up and down stairs too. It's been a long journey finding the right course of treatment for him. With Embrace's help we were able to get the help we needed. Our dog has recovered some mobility and is on the healing path now. Thank you!
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.