5
out of 5
POSTED: | BY: Ruth Strother
Friendly, helpful staff
Claims are easy to file and are quickly handled. Payment is very fast. My questions were answered right away. I would recommend Embrace to anyone.
4.9
out of 5
Number of reviews 20,332
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: D Davis
Pet illness is bad enough....
But it is worse when you are trying to juggle finances to pay for them. Thankfully, Embrace Pet Insuranced processed my claim quickly, helping to releve the financial stress.Thank you Embrace!
5
out of 5
POSTED: | BY: Sue
Excellent!!
I have used the Embrace policy for my pug's (Bamboo) mast cell tumors... without it I would never have been able to afford to get them removed. Now she is a happy, healthy pug free from cancer :) The claims process was easy, and I got paid in time to pay my credit card :D Great policy - they have excellent customer service. I love them so much I set up pet insurance through Embrace at my work :)
5
out of 5
POSTED: | BY: Susan Fields
Wellness Claims are SUPER FAST!
I submitted my wellness claim paperwork last Friday, July 5th. I just got an email saying it has been processed and will be in my account in 2 days. Thankfully I've never had to submit an injury or illness claims but Embrace is very quick about processing wellness claims!
3
out of 5
POSTED: | BY: Nancy Lew
blind
I am a first time cat owner & researched which pet insurance would be good. I thought Embrace had good coverage but probably, due to lack of experience and understanding of the coverage, I feel after submitting one claim, it may not be for me. I don't understand how I pay for a premium every month & the reimbursement I gave for claim, matches a portion of what I pay for the premium. My claim did not get fully covered. After taking time to submit the claim, in the end, most of the payment is out of pocket. I could have paid out of pocket without the insurance. Bottom line, I reviewing whether I should keep the insurance; even though, the process went smoothly.
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.