4
out of 5
POSTED: | BY: Larissa Jackson
Good service
Very responsive to both enquiries and claims. Good communication so I always know the state of my claim.
4.9
out of 5
Number of reviews 20,325
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: Barbara Lorenzo
The BEST insurance company EVER!!!
My dog is old and my claim was high! It was for orthopedic surgery. No hassle, no sweat! The people at this company are terrific! Even better, quite professional and competent. The company lives up to it's promise. I couldn't be more pleased with the service and reimbursement. I truly wish human insurance companies were as well run! I promised my best friend I would always give him the best care I possibly could and this company made that possible.
5
out of 5
POSTED: | BY: Sally Littleton
Wellness claims and customer service
My first claim for Wellness benefits was very easty to process. Customer service was excellent and I was happy to receive the direct deposit in my checking account a few days later.
Thanks Embrace!
1
out of 5
POSTED: | BY: Bryndon Kline
Run away!
The people there are polite, but the are also not good serving customers. I signed my puppy up for coverage, and i was led to believe that medications would be covered. I found out later that prescriptions were not covered in my plan, and that i had to sign up for a separate prescription plan, but as my dog now has preexisting conditions none of them would be covered. When I asked why this was never explained to my when i called to sign up and why i was never even presented with the option to sign up for the prescription plan (which given i asked for their most complete plan would have made sense) they said it was my fault. In summary they are a horrible company that takes advantage of their customers!
5
out of 5
POSTED: | BY: Audra
Top Notch Pet Insurance
This is my first time obtaining pet insurance. I've heard some not so positive experiences from Vets and other friends about delays or denial of claims and I have to say, not only did they contact me within 2 business days about my first claim but they've already mailed my check for the entire wellness exam. I have not set up the direct deposit yet but I'm very glad to have that option which I'll take advantage of after writing this review.The only thing that would make this experience more perfect is if the Vets would work directly with insurance companies like Embrace that maintain excellent reviews by their customers!! Thanks Embrace for making a difference and setting the bar!
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.