5
out of 5
POSTED: | BY: Bob
No problems with claims and no suprises.
Insurance paid what I expected with no surprises. Quick claim refunds and they keep you informed. Would recommend to anyone with a pet.
4.9
out of 5
Number of reviews 19,930
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: whit
claim reimbursement 5 star
I have only been with them a little over a year awesome to work with, two claims one large one and a small one no issues. Thank you very much
5
out of 5
POSTED: | BY: HSears
As advertised!
I have never purchased pet insurance before, but decided to get it for our standard poodle, who was a few months old at the time. I took care of all my preliminaries right away, so as not to have concerns later. I made clear between Embrace and myself what preexisting conditions there were and moved on from there. So now, not quite a year into this and our dog took and ate a bunch of raisins. (The only thing he has ever taken off a counter!) Well that landed him in the hospital for 3 straight days getting an IV to push the toxins through.
I was mostly impressed with Embrace and the speed and payment of the claims. I did have to go back and have our vet fill out a fair bit of paperwork, but it all worked out well. On occasion Embrace does so down processing for no apparent reason, this is the only reason I will not give them a a perfect 10. Most claims paid in about 2 weeks but a few longer than 3 weeks. Their payments on the claims were EXACTLY what I expected it to be.
With lots of unknowns out there I am glad to say that the process and benefits were what Embrace said they would be.
1
out of 5
POSTED: | BY: kathy
very disappointed and cancelled my policy
My Golden Retriever puppy got sick on the last day of her 14 day exclusionary period. I spent over $800 to get her well, but Embrace denied my single claim for $195. I found them extremely inflexible to deal with. Can not recommend at all.
5
out of 5
POSTED: | BY: Marianne
Excellent company to deal with.
Our 3.5 year old Ragdoll needed emergency surgery to repair a diaphram paracardia hernia. Following her surgery, a clam was submitted and payment was made promptly.
Whenever we need to submit a bill for payment, Embrace is always very prompt to respond to the request and notifies us in a timely manner the status of each claim.
Embrace personnel are very concerned about their clients and follow up frequently to make sure the patient is recovering and payment as been received.
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.