5
out of 5
POSTED: | BY: STAVEN
10/10 GREAT PLAN
THIS IS THE FIRST TIMED I USED EMBRACE AND I AM COMPLETELY SATISFIED AND WOULD HIGHLY RECOMMEND THIS INSURANCE TO ANY PET OWNER
4.9
out of 5
Number of reviews 19,756
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: Jason
Welcome Relief
With so many moving parts to life, Embrace is a great comfort. Also with insurance, I believe pets get better, if not more timely, care.
5
out of 5
POSTED: | BY: Amy
So glad I joined Embrace!
My dog Chelsie, is a senior and recently became lethargic and her weight seemed to increase disproportionate to her eating habits. She was diagnosed with hypothyroidism and will now need to take thyroid medication for the rest of her life. Her energy improved, however her belly size still worried me so I requested pre-approval from Embrace to have an ultrasound done. They granted the approval and now I have peace of mind that there is nothing life-threatening going on!I am really amazed at their quick response, attention to detail, and affordability. I truly believe becoming members is one of the best things Chelsie and I have done this year!
5
out of 5
POSTED: | BY: Carrie
They Care!
I really like Embrace Pet Insurance. I've had people email me to let me know my renewal was coming up and ask if I have questions about it. I get to actually speak with a customer service rep when I call in with a question. And you know what, they are all really nice! They asked me how my pet is doing, and they used his name. Seriously, I don't think other insurance carriers have the same standard. Plus, my policy is straightforward, and submitting a claim is as easy as bringing a blank form into the vet. I am a happy customer, and I truly thank you. I recommend Embrace because they care.
5
out of 5
POSTED: | BY: Stephanie
Boy, am I glad we have Embrace
Our lab/golden, Daisy, has had digestive problems on and off for the past two years. This summer it came to a head with terrible diarrhea for over a month. Our newest vet was determined to find the underlying cause - which has proved expensive. Daisy has had blood tests, x-rays, ultrasounds, and surgery to obtain a full-thickness intestinal biopsy. She's now been diagnosed with inflammatory bowel disease, pyloric stenosis, and protein loss enteropathy. She's lost 25% of her body weight, but she's started medications and a food her body seems to tolerate, so we are hopeful for a turn-around.
We enrolled Daisy with Embrace when we adopted her in 2012 so we wouldn't have to consider cost if ever faced with a medical emergency. She's young, so it has indeed been a relief to be able to say to the vet, "just do it." Daisy's medical bills this year have totaled over $5,000 to date, but our costs have been about $1,500. I only wish that we'd opted for the Rx coverage.
The many claims we've submitted have each been handled in about two weeks. As far as I know, there have been no questions about our invoices. Thankfully, our vet practice advocates for pet health insurance - Embrace is among those they recommend - and they're very cooperative in assisting with claim forms. That was not the case with our prior vet practice.
I do wish there was more information available about the claim while it is being processed. Some dates we've had multiple invoices, or the amounts are confusing because they include non-covered costs. I've had to resubmit a claim once or twice due to confusion over dates. If I'd been able to see the details prior to the determination, I'd have been able to fix the problem (and get that check!) sooner. All in all, however, the experience with Embrace has been exceptional.
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.