5
out of 5
POSTED: | BY: Cary
fantastic company
What a fantastic ins. company My claim was taken care of and direct deposited in my account in a matter of days I could not be more pleased Keep up the great work
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.
1
out of 5
POSTED: | BY: Tyler
Dissapointed
I was fraudulently charged for seven months by this company for insurance I didn't know was active , and I could not have used, and was told they can not refund me back! Even if I sent in proof that I had other pet insurance with another company at the time. They never sent any correspondence indicating that the policy was active or that I needed to complete the process after the first three weeks , but they still took money from me! please be carful with this company!
5
out of 5
POSTED: | BY: Makeba
I love Embrace Pet Insurance!
I love Embrace Pet insurance because they work quickly and effectively to process your claims and ensure that you are reimbursed! YAY!
5
out of 5
POSTED: | BY: Joe
Could not be more grateful for Embrace Coverage
My Beagle Bailey was diagnosed with a pretty aggressive Lymphoma Cancer earlier this summer and wasn't expected to survive his 10th. birthday. Bailey is currently being treated and am happy to say that his cancer is in treatable remission. We have been Embrace members for years now and they have always been there for us from wellness to illness coverage. I will forever be grateful for the financial assistance and coverage these folks provide. Thanks you!
1
out of 5
POSTED: | BY: Stuart
A MINORITY VOICE
I am really in the minority after reading about 20 reviews. I had never taken out pet insurance until this time. I read about 5 different companies and ended up with Embrace. I asked if her first exam would be covered. I was told over the phone "yes. you have chosen the maximum coverage." My 1 yr. old cat had her first exam, passed with flying colors and I was handed a $250 bill for the exam and the various blood and stool tests plus injection. I called Embrace to find out what I do next and waited on the phone for 20 minutes before being disconnected. I called again and after holding for 1/2 hour, hung up. I sent an email. No response. I told this to my vet who said they would call. They telephoned me the next day to let me know they could not reach anyone either, but they said they had enough information to put in the claim without the help of Embrace. 4 weeks has gone by and I decided to use the website to find out when to expect my refund. The website told me I was not listed. I called and after a hefty wait, I was connected with a woman (they call her an "embracer.") who told me they had major website and phone problems. She apologized and then told me that I had MINIMUM coverage and could not be reimbursed for anything except major accidents. WHAT?I realized then I was certainly with the wrong company.
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.