5
out of 5
POSTED: | BY: olinda
awesome insurance
I have a 5 mos. old morkie...and his wellness exams were covered...I don't know why? more people, insure there pets with embrace...embrace is an awesome insurance...
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: Melissa
Excellent coverage and customer service
We have two Sealyham terriers (2 years and 1 year) and will be getting a third puppy who we will also be insuring. We had been with another major pet insurance company for approximately 10 years with other animals we had. That company was covering less and less compared to when we first were submitting claims. When we got our now 2 year old Sealy, after researching with our vets' offices as to which carrier seem to be the most popular - especially when it came to covering alternative modalities like acupuncture, laser therapy, etc. - Embrace was the carrier that seemed to be recommended. Having puppies always seem to involve trips to the emergency vet plus other miscellaneous issues that come up, and we have been extremely pleased not only with what is covered under our Embrace insurance but the turn around time. We have recommend Embrace to other friends and neighbors and will continue doing so.
5
out of 5
POSTED: | BY: Bill
You have insurance, nuts to not have for your pet
This is my 3rd dog, first time with insurance.
Cannot beliefe I havent had this before.
Not only does it pay for itself but it provides peace of mind.
Embrace is the BEST!!!!
5
out of 5
POSTED: | BY: Jaimee
Quick, stress-free service
We were very pleased with how quick our claim was processed and our check was recieved. The communication from the time the claim was placed to the time we recieved the check in the mail was wonderful.
2
out of 5
POSTED: | BY: Jon
I know this might seem a bit onerous BUT
I have never used a pet insurance. My Vet recommended Embrace and another insurance company. I decided on Embrace and I am very disappointed in my claim results. My cat had an accident that caused the following Diagnosis: Fractured left rostral mandible, Luxated tooth, Complicated crown-root fractures on four teeth. Wire splint, surgical extraction of tooth on the four teeth, Gracie had a broken lower left jaw and four broken teeth. I submitted my claim to Embrace. My claim was for $2,430.96 and they only will reimburse me $1934.37. The reason that people get insurance is to help with the cost of vet bills in an emergency. I felt that my total bill should have been covered signed up for Embrace a few months ago. I know being in the insurance business or claims is not an easy job to do especially when you are not give all the information to process when requested. However I just some friendly input, sometimes everyone should check with others to make sure that no one else has been working with the insured already. Since getting the insurance with Embrace I have received 22 emails to date and counting. The last thing someone needs is to be reminded every couple of days that information is needed to process the claims. I was and still am and will always be worried about my little girl Gracie. I had not slept in over 48 hours since she got hurt real bad I did not want anything to happen to her I MISSED WORK UNPAID SINCE MONDAY from her getting hurt.
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.