5
out of 5
POSTED: | BY: Susan
Very Reliable
I have made many claims over the 5 years I have had this policy. Embrace always pays what they say they will pay. My last claim was paid very 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.
1
out of 5
POSTED: | BY: todd
Too Difficult to Get Coverage
I signed up for Embrace because of it's rankings and price. First had to do the ortho waiver which both of my pets passed with a clean bill of health. Then 3 weeks later, they asked us to contact our vet to have them fax the medical records. My complaint is, why didn't they have us do this when we did the ortho waiver(?) My vets complaint, understandably so, is why should he tie up his office staff even more faxing in the records when we were first there? Thus, he refused since he already gave the dogs a clean bill of health. Also, I saw in the fine print that after you send in the records, they will only be reviewed when a claim is filed UNLESS you request them to be reviewed earlier. This is definently a loophole for them to deny claims, and is a very ticky-tacky way to do business. Needless to say, I cancelled and went with another company.
5
out of 5
POSTED: | BY: Kelly
Speedy Service
Embrace is the third pet insurance I've tried and I have to say I have been very happy with their services thus far. They are in constant communication with you from the minute you sign up and getting my first check from them was hassle free and fast. Their policies are clear and there are no hidden exceptions.
4
out of 5
POSTED: | BY: Emma
Satisfied
Claim was handled fast and all my questions answered.
I subbmitted a claim for my cat's annual wellness exam. I don't think I need to go through Embrace for the wellness exam reimbursement because it only saved me $50.00
1
out of 5
POSTED: | BY: Shirley
Not happy
Very unhappy with Embrace - I thought I researched carefully for the proper insurance for my dog Molly, my first claim after 2 years with Embrace, (I only submitted a claim when the expenses were high) was denied, after countless emails, and delays - totally confusing to me and to the Vet, who tried to keep up with what they requested. Finally they denied my claim in December after months of emails back and forth. Quite frankly, I am very sick of the whole thing. I would never recommend Embrace because they are just to hard to work with. I am cancelling my policy. Now lets see how hard they make that!!!
Shirley McDonald - Unhappy former customer
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.