5
out of 5
POSTED: | BY: Chris
fast reimbursement.
good service. good value
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.
1
out of 5
POSTED: | BY: Karen
Beware of the fine print!!
In short this insurance is misleading especially if your like me and adopted your pet from a shelter or rescue agency.
They accepted my application and billed me monthly for almost a year before I submitted my first claim. My claim was denied because they stated they never received his veterinary records going back 12 months. When I applied for his insurance and was accepted I conveyed to them that I don't have this information due to my dog was a stray. They are now refusing to refund the money that I paid them in that time period. To say I was mislead is an understatement. I paid monthly, they accepted my payment and in return my dog was never really insured. I am truly disheartened by this experience and would not recommend this insurance to anyone at all.
5
out of 5
POSTED: | BY: Amy
Once gain, Embrace comes through!
I signed LisaJoy up for Embrace Pet Insurance in late October when I made her a permanent member of the family. She is dog #6 who I have "Embraced." In early December, when she was just 11.5 months old, I experienced the most horrifying experience of my life when her throat and tongue swelled rapidly due to a hematoma (internal bleeding.) The hematoma got so big it cut off her airway! I rushed her to my local vet, less than a mile away. They were able to do an emergency tracheotomy to re-establish her airway, and then referred me to the Emergency vet an hour away. From there, they sent me to the specialist hospital, Tufts University, 3 hours away. Throughout each step of this terrifying process, I was able to focus solely on my puppy and getting her the care she needed in order to survive, because I knew Embrace would be behind me 100% to help on the financial end of things. Sure enough, the claims process was simple and straightforward, the representatives were courteous and helpful, and the claim was processed very quickly, even over the holidays.
5
out of 5
POSTED: | BY: Brenda
Embrace has been great past 4 years
Renewed my dog's Wellness Policy for another year because they have proven to reimburse quickly. I have not had any problems in 4 years. Sad the Dental is no longer a part of the Wellness.
5
out of 5
POSTED: | BY: Crystal
So far, so good
Haven't actually had to use my plan yet, but have been very satisfied with customer service. Had several questions before purchasing the plan (have it for 3 dogs) and did alot of comparing. This is what worked for me and gave me what I wanted. They are straight forward and no hidden small print. They took longer then planned to process claim but kept me updated the entire time. Again, can't say enough about customer service!!
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.