5
out of 5
POSTED: | BY: Bina
So far awesome
Wellness program first refund coming. All went smoothly. Such great communication by email.
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.
5
out of 5
POSTED: | BY: Neda
Definitely Worth Having Insurance
My Dog is now five years old but has definitely gotten himself in a lot of situations that cost a hefty hospital bill for me. But thank god to Embrace they are always so helpful and always available to answer all my questions. I am so glad to have insurance for my dog. It definitely pays and has made me not have to pay everything out of pocket. For example the $5000.00 hospital bill for a surgery he had to have because he ate a piece of plastic from his chewy toy. Embrace paid $3500.00 of that bill. I definitely recommend them!!
5
out of 5
POSTED: | BY: Dawn
So Far So Good!!!
We got Embrace insurance for our new puppy in Nov 2011. We have been very happy with the processing of all of our claims so far. Our puppy ate 15 rocks the second week we had her, and have now met our deductible for the year should she decide to eat something else she shouldn't!!! We also have wellness visit coverage and the re-reimbursement has been great for all her shots, flea meds etc.
5
out of 5
POSTED: | BY: Barbara
Excellent customer service
I did a fair amount of research on pet insurance policies to cover my new golden doodle puppy. I had a terrible experience in the fall with a not yet 2-year-old cat who was unexpectedly diagnosed with chronic kidney failure and was astounded at the medical and hospital costs, so I was not going without pet insurance for my puppy. Because of all the anticipated vet bills associated with vaccines and the like, I chose Embrace because they also offered a wellness plan that I could add to the accident and illness coverage. They also provided early coverage for orthopedic problems, which can be an issue with this breed. They have covered everything I have submitted to date, either under the wellness plan or charged against my deductible, at the actual cost charged, and have been immediately responsive and pleasant. I am so far extremely pleased with this company.
5
out of 5
POSTED: | BY: Jan
Great service, as always, and coverage options!
02/08/2012 - The LabraMutts and their Pet Parents:
The new options in Wellness Rewards and Wellness Rewards Plus are fantastic! Who can turn down a free $101.00 or $51.00? Smart move for Embrace to encourage better preventive treatments!
We've never been disappointed since we signed up for a policy on all 3 of our shelter/rescue dogs in June 2007. We love being able to pick and choose coverage that fits our budget - in our case we were originally looking for major illness/accident coverage. However, when the Wellness Rewards Program started, we jumped on that, too!
They were there for us through the tough times when our eldest dog, Homer, was diagnosed with osteosarcoma and wasn't with us long after his diagnosis. They are there now as we make decisions regarding a total hip replacement for the youngest dog, Justy, even offering ideas to help our situation (live in a house on 14' stilts requires a full flight of stairs to enter and exit the house - a BIG no-no for a few weeks after this procedure).
We love being Embraced by Embrace Pet Insurance!
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.