5
out of 5
POSTED: | BY: Ernesto Valdes
They responded quickly to our claim
They responded quickly to our claim. Took 2 days. What a great experience .
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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: Jeannette
Quick responses and reasonable…
Quick responses and reasonable policies. I always recommend them to friends!
5
out of 5
POSTED: | BY: BEVERLY JARRETT
Great experience all around
I submitted claims for the first time this year forbour tiny yorkie. She developed possible exocrine pancreatic insufficiency and inflammatory bowel disease. This has required several emergency visits to a specialty clinic and a couple admissions as well. Our claims were processed very quickly which may have been partially due to the emergency clinic’s responsiveness in sending chart info along with my bills and payments. I have to commend Embrace for their handling of these claims within the policy parameters. This has been my first experience submitting pet insurance claims and I’m so thankful I went with Embrace,
In contrast I have an additional policy on her for the past several years with another insurer who is secondary. They have refused to pick up any of the balance on these claims trying to say this was all preexisting…they are about to be cut loose and a poor review posted.(this is Many Pets)
I just want to add that when you are agonizing over your fur baby’s illness and struggles, a warm Embrace is the best thing out there. Thank you Embrace, and USAA where I discovered you!
5
out of 5
POSTED: | BY: Deneen Gayles
Sarge & Shadow Journey
This is the 2nd pet I have had insured under this pet insurance. I am grateful that they allowed me to divert all my attention to my pets care and not to dealing with fighting claims and getting paid. The claim process is so easy and they are quick to pay. I appreciate this kind of service especially when I am paying. Thanks to all who were involved with Sarge & Shadow. Sadly I had to let both go and now they are in doggie heaven enjoying each other again and looking down on me. I call them my angels. Thanks.
4
out of 5
POSTED: | BY: Karen
So far my experience with Embrace has…very positive
So far my experience with Embrace has been positive. At times getting through via a phone call can be a bit challenging. However once a live representative services the issue it has been pleasant and professional. The portal to submit claims is an awesome tool.
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.