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.
I have a new service dog and it is imperative that he stays healthy. He had to go to the vet for an infection in his prepuce (he had something lodged inside - it's a mystery to everyone.) He needed flushing, a culture, and antibiotics. And of course a recheck.
Never having had pet insurance before I was a bit nervous about the process. But, submitting my claim could not have been easier. I scanned and submitted my form and receipts via email. Very shortly afterwards I received noticed that my claim had been received and was told when it would be processed. It was processed when promised (quicker actually) and the amount covered was deposited in my bank account within a few days. I wish my personal health insurance worked as smoothly!
5
out of 5
POSTED:
| BY: Gay Deniso
EXTREMELY pleased with EVERYTHING!!
This is a review for several recent claims. We have a $1,000 deductible / $15,000 annual coverage / 90% coverage after deductible policy for ourrescue dog. For anyone who wonders if they can afford pet insurance: two comments....with Embrace, when something happens to your beloved family member you will not be worrying about cost of care.....and, the higher deductible policy is VERY affordable on a monthly basis. Yes, you will have a deductible to meet, BUT if your pet needs surgery, cancer care, etc etc the cost will FAR exceed that. For us, Gabby, who has always been healthy, went in for a check of several "bumps" on her skin. We keep a close eye on these as they can be cancer or simply a cyst. Until the vet aspirates some cells and sends to lab, you do NOT know! One of Gabby's bumps came back mast cell tumor and she had surgery the next day. This is extensive removal of great amount of surrounding tissue! But, they got all of it (margins of removed skin came back "clean") and it was graded early stage 2 cancer which has good prognosis. The size of the area removed was large and it was necessary to build a skin flap from surrounding excess skin. With that came a risk of part of the flap losing its blood supply and dying which is what happened, so she had another surgery to cut out dead skin and, very fortunately, the surgeon was able to pull skin together without making another skin flap. SO.....we had claims for 2 surgeries, lab work, office visits and several medications. Total claims have been close to $3,000 to date. Embrace has processed everything within 7-10 days of receiving from vet (they are much faster to process than vet is to fax claim!) ALL claims have been completely "covered" with NO problems!!! The deductible was met and this week Embrace deposited into our checking account EVERYTHING (less our 10% responsibility) exceeding the deductible..... so far (over $1,900)! In fact, they sent e-mails in the morning to explain how things had been covered and the money was in our account the NEXT MORNING!!! This is an outstanding company. They are always super helpful and pleasant on the phone. They deliver exactly what the policy states. And, quickly. They let you know via e-mail where the process is every step of the way. (If you have not gotten an e-mail letting you know the claim has been received, then it's the vet who hasn't submitted it and you know to follow up with vet!) You can access your acct online anytime and see
5
out of 5
POSTED:
| BY: Donald
Great experience!
Our ten month old golden retriever decided to eat a bone whole. The claims process was easy and timely. They even went as far as to contact our vet for us to request the necessary documentation to expedite the process. I highly recommend this service to all pet owners.
5
out of 5
POSTED:
| BY: Rob Banack
Persistence Pays Off
If your claim gets denied in general, not only pet insurance, other products from stores to online purchases,ask to speak with a supervisor or a manager. In my case our dog Sandy fell and tore her ACL. I spoke with Darcy a great supervisor and with my persistence my claim was settled,I am talking couple thousand dollars. Embrace with the help of Darcy i give them an A+ and i got 3 friends to join Embrace. Thank You so much Darcy..
4
out of 5
POSTED:
| BY: Lorraine
Thankful I got insurance and glad I chose Embrace
My experience with Embrace has been very professional and the clarity of their claims are remarkable. I have filed 2 claims for my Rottweiler that have been addressed promptly. I am very glad I have pet insurance for peace of mind and Embrace made that happened.
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.
