5
out of 5
POSTED: | BY: Donna
Very courteous and efficient
Our dog Reno had ACL knee surgery, and Embrace insurance was very helpful and efficient in taking care of the claim.
4.9
out of 5
Number of reviews 19,927
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.
4
out of 5
POSTED: | BY: Cathi
Easy claim and renewal process
We have had this insurance for four years and we've made a few claims. The claims process is simple and easy (even though it may take a little while). The renewal process is easy too.
5
out of 5
POSTED: | BY: Stephanie
Amanda Collins is on it!
Thanks to Amanda Collins, contacting her via email post faxing of each pet claim, she has always responded quickly, processed each claim, scheduled any reimbursement deposit & has always given a detailed explanation in a speedy & direct form. I appreciate her efficiency and great customer service. Note that I have used her as my contact for claims submission from roughly the beginning of our policy.
5
out of 5
POSTED: | BY: David
Wish I Knew About Embrace Years Ago
Having had other Pet insurance in the past, I had pretty much gotten used to and accepted that it was not only a struggle to get compensated what I had spent (or no more than a certain percentage of that), it was also a gamble trying to figure what they would cover and what they wouldn't. No issues with Embrace; not only was follow-up on the claim almost instantaneous, everything is clearly spelled out in the policy...no secret decoder ring required!
5
out of 5
POSTED: | BY: Katnip
Paid for my trip to the emergency room!
I have gone through three different kinds of Pet Insurance, and Embrace has really come through.
I have a two-year old boy cat, and he was super healthy until one night, he began to go to the litter box every 10 minutes. He was straining to pee, which could be fatal. We went straight to the emergency room. Sure enough, he had blood in his urine, and he was diagnosed with cystitis.
I fet so much better at the clinic knowing that I had insurance. Any time the doctor said, "This is how much this test costs. Do you want us to do it?", my answer was "Yes. I have insurance, and they'll cover it." And they did. Not that my answer would have been a "No," but it really gave me a peace of mind knowing that some of the fee would be coming back.
The payment came in the mail within 2 weeks, and I felt grateful. It covered pretty much everything minuet the deductible. For a small fee per month (I pay about $24/month), insure your furry pal, and you will not regret it.
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.