2
out of 5
POSTED: | BY: Nancy Thorsen
Keep File open and accessble
My cat, Monk, died and there are still open claims and they have already removed his file so I do not have access to it.
4.9
out of 5
Number of reviews 20,318
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: Carl
Excellent Service
Coincidentally right after I purchased pet insurance my Golden was diagnosed with Golden Retriever Pigmentary Uveitis (GRPU). It causes glaucoma and if detected late may cause loss of vision. I had no knowledge of this disease which is genetic in nature and seems to be spread from puppy mills. I rescued my Golden from a puppy mill and a cruel owner who died. My Golden will have his left eye removed in April. We are hoping to save his right eye.Just a heads up to Golden owners to have routine eye checkups by a Vet Opthalmologist if they suspect a problem or their dog comes from a mill.Finally, thanks to Embrace for great service and for covering my expenses.
5
out of 5
POSTED: | BY: Angela
Excellent!
Love this company. They are easy to deal with, have great customer service, and are very efficient in processing claims and keeping you updated along the way! My most recent claim was processed the SAME day I submitted it; amazing! Also, I find that the prices of coverage are reasonable and completely worth the peace of mind that pet insurance provides.
I will continue to recommend them to friends and family. Great job, Embrace! We love you!
4
out of 5
POSTED: | BY: Margaret M
fast payment of covered claims
I appreciate the good communication and prompt payment of claims. I will renew my policy.
5
out of 5
POSTED: | BY: Shannon Gormley
Very pleased so far
I signed my 2 cats up with Embrace 4 years ago and haven't needed to file any claims until now. So far, I am very happy with the whole process and VERY happy I decided to go with Embrace for insurance. The initial claim was handled within 10 days (getting records from my vet, checking his medical records, etc.). Once that was approved, pre-certification for treatment of his lymphoma was ok'd in less than 24 hours. Also nice was the healthy pet credit that lowered Cooter's deductable - I didn't even realize that was part or the plan, so with all of the stress of a cancer diagnosis, that was a very pleasant surprise. Thank you Embrace for making this whole situation less stressful and allowing us to focus on taking care of our cat rather than worrying about money.
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.