5
out of 5
POSTED: | BY: Sara
Amazing!
Wellness care is excellent. Great customer service!
4.9
out of 5
Number of reviews 20,006
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: Gayle
THE Best!
If you are considering getting pet insurance (you should) and you don't know which one to choose, you should choose Embrace, hands down. 1) Awesome, personal customer service. A group of actual people who actually care.
2) Variety of plans, deductibles, and co-pays to choose from. You can find something affordable that meets your needs.
3) Unlike other pet insurance companies, Embrace pays you what you paid the vet. They don't arbitrarily decide whether or not the testing or treatment you pet had is "reasonable or customary" and deny payment for certain things. They literally pay you what you paid, minus your deductible and co-pay.
4) They are quite fast about paying claims, even by snail mail, but if you sign up for direct deposit, it's lightening fast! We just had a number of claims in a row for visits, testing, and treatment of our cat's lymphoma and in the middle of it, I signed up for direct deposit. I can't tell you how happy I am that I did.
In short, I cannot describe to you how happy we are with Embrace. Truly a stand-out company that I hope will never change their winning ways.
5
out of 5
POSTED: | BY: Jerry
Quick Reimbursement
We just started a policy with Embrace. We also signed up for the wellness plan which will refund you up to $400 annually. That week I took our Golden Retriever in for her ortho check-up and vaccinations. I submitted my first claim shortly thereafter for the check-up and received a full reimbursement within 10 days. So far everything has gone smoothly. Very good communications.
2
out of 5
POSTED: | BY: Liana
Disappointing
A hassle to submit a claim - in this day and age who ever heard of havong to fax a claim? First claim took very long to process. Kitten vomiting was considered a "preexisting condition" and not covered. Canceling my policy
5
out of 5
POSTED: | BY: Anthony
Fast processing again!
I've used Embrace Insurance for over 3 years and they're payment history has been flawless. I would recommend them to all pet owners. A couple of years ago there were some changes and they were taking a long time (40 - 60 days) to pay a claim but that's all been fixed and my last two claims were made in under 2 weeks! That is awesome efficiency! Please keep it up!
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.