5
out of 5
POSTED: | BY: Dottie Cox
Very Pleased
I'm a new customer and have received exceellent and knowledgable asistance and very timely reimbursement for claims.
4.9
out of 5
Number of reviews 15,784
Updated: May 29, 2024
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: eileen brennan
Not such great insurance...
In one year, I had 12 different "insurance specialists" respond to my claims. None of them know my pets well, each one comes with different requests. 90% of my claims are rejected!!!The problem is that all insurance companies are the same, this one is one of the worst.
5
out of 5
POSTED: | BY: Giovanni G.
Good customer service
I recently signed up with Embrace with the arrival of my new puppy. I knew that my first claims would center mostly on Wellness issues like vaccines. All in all, I am happy with the speed of the customer service and how responsive they were. There was a small admin glitch which delayed the direct deposit of the reimbursement but that got resolved quickly, otherwise they'd get a full 10. I like Embrace and would definitely recommend them to future pet owners.
1
out of 5
POSTED: | BY: Jenny
What a ripoff!
They rejected my claims stating that my dog's bacterial skin infections were a pre-existing chronic condition based on the fact that the prior year she was observed chewing her feet. They don't seem to know the difference between allergies and infections. This was after two months of runaround repeatedly faxing documentation to them. VPI was much more reasonable in their claims processing.
5
out of 5
POSTED: | BY: Angela Rhodes
Piece of mind for your "babies"
I have had Embrace on all four of my dogs since December 5, 2009. The week before Thanksgiving of 2010 my daschund all of a sudden became sick. She was diagnosed with leukemia. Within 2 weeks I had already met my $500 deductible. I was a ball of nerves especially during those first couple of weeks after she was diagnosed. Having insurance is & was a blessing. All the guys at Embrace were & are very helpful in answering any questions I had. It never takes more than 2 weeks and not even that long all the time to get an answer back on your claim. I very happy to have Embrace Pet Insurance for my "kids". It is a great investment every month. Piece of mind!
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.