5
out of 5
POSTED: | BY: Katy
Thank you!
Thank you Embrace for being there when we need you.
4.9
out of 5
Number of reviews 20,007
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: Jessica
Fantastic
This is the best choice we have ever made! We have had our coverage for a year now and it has truly paid for its self. Our dog swallowed a squeaker from a toy totaling more than $9000 in surgery and treatment and Embrace covered all of claims with no issue.
2
out of 5
POSTED: | BY: Mary
STRIVES TO DENY YOUR CLAIM FOR ANY REASON POSSIBLE
I adopted a shelter cat in late October of 2015 and enrolled her in Embrace. She had been an abused cat and was nervous and untrusting and quick to try to bite. She seemed to groom frequently but I attributed this to nervousness and gave her love and fish oil supplements for her coat. Her coat improved and grew much thicker and shinier but she appeared to still be over-grooming and itchy so I took her to my vet in January of 2016, well after the policy wait period. There was no diagnosis but pruritis which is a symptom, not even a condition. I submitted my claim to Embrace and it was denied as a pre-existing condition stating that nothing related to itchiness would ever be covered. This is absurd. They could not find anything in her record which indicated that she ever had anything so the very fact that I mentioned to my vet that she seemed to groom a lot prompted Embrace do deny my claim even though she did not see a vet until more that two months after I enrolled her in Embrace. They will do anything to deny your claim. The policy states a pre-existing condition is anything that is diagnosed prior to the waiting period. Nothing was diagnosed prior to the waiting period yet my claim has been denied. DO NOT INSURE YOUR PET WITH THIS COMPANY WHICH HAS APPARENTLY BEEN SOLD AND CHANGED UNDERWRITERS.
5
out of 5
POSTED: | BY: Cheryl
Great company!
We have field trial golden retrievers that are near and dear to us. We have gotten pet insurance for almost 20 years with various companies and have been with Embrace since almost their inception. Our 2 goldens were started with Embrace since they were puppies. Our next puppy (soon to be born) will be insured with Embrace. Caring people. Super quick turnaround. Direct deposit - great when we're on the road or away from home for treatment. Easy to work with. Honest.
5
out of 5
POSTED: | BY: Darlene
Efficient and fast
This was probably the longest I have waited for a claim check BUT every claim has been handled professionally and the staff is extremely kind. The checks are mailed VERY fast. I am very impressed with this company and will tell everyone I know!
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.