5
out of 5
POSTED: | BY: Chris
Got a reply 4 days after claim was submitted
Claim reps are very polite, helpful, and professional.
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: Jill
Embrace Pet Insurance
I have been carrying Embrace Pet Insurance for the past 3 years and I am very happy with their coverage and service. I have 4 animals -- the 2 younger ones are with Embrace. The 2 older ones were insured when they were young with a pet insurance company that was "the only game in town" at the time. I regularly have to call the old company as they deny a lot of claims. It almost appears that if it's not laid out to them very clearly and they are confused, they will opt to deny rather than find out more information. I have never had this problem with Embrace. They have been exceptionally good in handling any claims that I have sent to them.
5
out of 5
POSTED: | BY: Ginny
Excellent
This is my fourth year with EMBRACE. I did not find the wellness worth the money. However with one of my Westieshaving Addison's disease, it is definitely very good.
I've not had any trouble with claims.
5
out of 5
POSTED: | BY: Kathleen
Thank goodness I decided to choose Embrace
Our Boston Terrier began to suffer from significant pain while walking, sitting and beginning to cry while sleeping with constant shifting. With the confidence of having Embrace insurance, we were able to have the necessary diagnostic procedures done to learn that she has several severely herniated discs that almost completely impinge her spinal cord. With Embrace coverage, she is having laser therapy to reduce the inflamation and pain while we prepare and plan for the invitable spine surgery.
I made the best decision ever when I choose Embrace insurance 4 years ago when I adopted her ! I shudder to think how I ever could have provided the necessary diagnostic and medical treatment needed to bring her back to her good quality of life. My husband is finally convinced that it was one of the smartest things I did over the 36 years that we have had dogs; we only wish that I had had it earlier for my previous wonderful dogs.
5
out of 5
POSTED: | BY: Xue
Great service, fast payment for claim
Been with you all for three years never have problem with cliam. Every claims were paired out very fast within a week for most part.
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.