5
out of 5
POSTED: | BY: Stephanie
prompt and fair
Embrace is a terrific company. No hassles. Good communication. Paid promptly.
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: Kay
Wellness Claims
Thankfully, I've never had to submit an injury or illness claim, so I can't speak for that, but Embrace is very quick about processing wellness claims!
5
out of 5
POSTED: | BY: Megan
Comforting
Our Beagle suddenly showed signs of having trouble walking and was yelping with pain. It was quickly discovered he needed an spinal tap, an MRI and possibly surgery. It was never a question in our minds if we would move forward with these tests to help him, but hearing the dollar amounts add up was scary. Though we put our faith in knowing that when we enrolled him in Embrace Pet Insurance they would be their to help us! When it was all said and down we learned our precious animal had meningitis and a ruptured disc. Though thanks to Embrace, today he is healthy full of energy again and we are not sitting here with extreme credit card bills! It was amazing at how quickly and responsive Embrace was in helping us through this time!
5
out of 5
POSTED: | BY: George
Very good Pet Insurance
This is not the first pet that I have insured through embrace. My last dog was also a labrador retirever. My last dog ultimately lost hois 18 month battle with lymphoma. During that time I never had any problems with embrace. They covered everything thaat i had expected them to and they processed my claims very efficiently. The only negative comment that I have is a minor one. When I filed my last claim a few weeks ago my options were to snail mail the claim form and receipt or fax it. I faxed it. The claim went through just fine. There werent any issues. But, I always get a little uncomfortable sending a fax. I wonder if it actually got there. I wonder if it got to the correct person. They used to receive claims via email. I am not sure why they do not do so now. But that s a very minor concern. I highly reccommend Embrace Insurance
3
out of 5
POSTED: | BY: Bill
Insurance
Look, Embrace is an insurance company, a business. The number one priority of any business is to earn a profit. Embrace is no different.Embrace has excellent communication about the status of the claim. They can, however, require a great deal of paperwork on the first illness/accident claim. The process is a little slow and the reimbursement is, well, like I said: Their first priority is to turn a profit. You can read between the lines.
Do your homework. It's insurance for pets and is optional. No one is forcing you to purchase insurance for your pet.
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.