5
out of 5
POSTED: | BY: Joan
Personal touch!
Excellent
4.9
out of 5
Number of reviews 19,922
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: Patrice
Many Thanks
I am very happy that this service exists in order to assist me in taking care of my pets. It is definitely worth the cost.
5
out of 5
POSTED: | BY: Mandy
Easy!
I haven't had to use the pet insurance yet except for my $200 wellness coverage. I recently had my pet spayed and used the $200 wellness reimbursement for that. I like how everything can be emailed, and fax. Claims seems to be taken care of at a nice pace.
5
out of 5
POSTED: | BY: Arielle
Embrace treats me better than my own vet
I have been a loyal customer of Embrace for about 3 years, and every so often they prove to me why I'll probably never switch. When I took my dog to the vet for her annual exam and vaccinations, it amounted to a whopping $345 bill! The claim was sent though there were some communication problems (due to said vet's horrible handwriting). Embrace attempted to contact said vet office several times to get a breakdown of the bill over the phone, but the clinic just sent out another bad copy of the bill instead. Another insurance company probably would have given up by then, and not even bothered after a few weeks, but Embrace didn't let it slide and let me know the situation when I contacted them. After speaking with (an incredibly rude) receptionist at my vet's practice and failing once again to get the clinic's cooperation, I deciphered the vet's handwriting myself and e-mailed the breakdown to Embrace. They thanked me and send me the maximum amount reimbursement from their annual Wellness plan ($200), even though the claim was almost a month old by then! With any other pet insurance company, I probably would have had to live with the money lost, but Embrace always takes the time out to help their customers. Thanks again, Embrace!
5
out of 5
POSTED: | BY: Sean's
Great Coverage
I am happy with Embrace, my policies and coverage. The claim processing has slowed down some, but the bottom line is the coverage the provide. I understand they went through a computer conversion which understandably slowed them down with claim processing. I am pleased with Embrace and the coverage they provide.
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.