5
out of 5
POSTED: | BY: Toni
Embrace Rocks!
Fergi, My English Bulldog, has lameness problems. She gets injections to help her. Embrace pays them promptly each time she goes for an injection.
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: CAC
Really Ended up Paying for itself for this year
I've had the pet insurance since my dog was a puppy (now 3) -- I was going to drop it this year because my dog is about as healthy as they come. But decided to hang on one more year and was glad I did. In one month my dog got giardia AND cut open his paw on something while running and needed 4 stiches and a wrapped paw. A lot of trips to the vet and the pet insurance really came through. My vet processed all the paperwork (I just kept reminding them to submit the claims.) After the first couple of bills went through I started to receive checks from Embrace. No muss, no fuss, exactly what they said they would pay. For this year the pet insurance paid for itself. Not expecting that to happen every year but I do think it gave me a little more peace of mind should something bigger happen. I also liked the fact that after I had my dog's DNA done and he turned out to have 0% Labrador (though the adoption company labeled him a lab mix) Embrace actually reduce my premium to reflect his correct breed AND issued me a refund for the difference for the current year. I thought that was very top shelf of them to do that.
5
out of 5
POSTED: | BY: Susan
So far wonderful!
The claims process is easy and fairly quick. I make sure that I have a claims form printed when I go to the vet so that it doesn't become too cumbersome for her (if it was she would have to increase her fees to hire someone to fill out the forms) and her office faxes them immediately. I hear via email from Embrace (usually the same day) that they have received them and they are processed within a day or two. I have two dogs covered under this policy. Wish they would cover my older dog as I have to use another company for him.
5
out of 5
POSTED: | BY: Danielle
3 for 3!
Well, I am back again. My 4 year old Newfoundland had two ACL surgeries last summer. Embrace covered them both (THANK GOODNESS!). Unfortunately, she had a slip on some ice this winter and tore her meniscus. When I got the diagnosis (surgery...AGAIN!) I nearly fainted. Thankfully, not only did Embrace cover it (no questions asked), but the recovery for my dog was much easier this time around. I will continue to recommend Embrace because we are 3 for 3!
5
out of 5
POSTED: | BY: Debbie
WONDERFUL COMPANY
I have 2 border collie/spaniel mixes. I bought embrace when I got them at 7 weeks old (4 yrs old now). I love the company, communication is great and recently one of my dogs has had an autoimmune disease where he has been treated, had to be on multiple medications and frequent follow up at the vet. Embrace has paid all claims. I can't say enough about them! I recommend embrace to any pet owner who asks about insurance.
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.