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.
Over the years I have adopted animals, one at a time, who have been abused, neglected, injured and/or ill. Since they were not well, insurances I investigated would not provide benefits for their pre-existing conditions. While I wouldn't trade the love we shared for anything, veterinary care was very costly. I love my veterinary group because of the wonderful love and high level of care they give. When my little Eliza Dolittle went over the Rainbow Bridge last June, I mourned a bit, brought her little ashes home and then contacted my local shelter. Two weeks later a little kitten was found wandering city streets. Two weeks after that Cleopatra arrived at home. At the preliminary check up, my vet said, "She's a keeper! We won't throw her back!" And Cleo and I danced our first dance together. Staff was laughing with me as I sang, "I can buy insurance, I can buy insurance!" I asked which insurance is best. 'Course they couldn't say, but said many clients had the purple flyer insurace. Twenty-four hours later, so did we! Cleo went back a month later for her second well-kitty visit and I had a pre-printed form and I handed it to the receptionist and we laughed and danced for the help insurance provided me so I could help another lost animal. The vet submitted the form and right away I had an acknowledgement by email from Embrace, then claim status emails, then a check! The whole process took about 2 weeks.I was young and now I'm old. I earned a healthy salary, and now (like many
2
out of 5
POSTED:
| BY: Porsche Chase
Too Much Paper Work
I have had 2 well care visits in the past year, neither of which was applied to deductible. I took my dog 1 year ago because my neighbor died and no one wanted him. When he got a bad reaction to a bee sting, Embrace gave me a hard time about submitting 2 years of records, which I did not have. Only had the two wellcare visits that I had given him. After much a do about nothing they finally accepted the records that I had. The claim came just before the year end of my policy and by the time they applied the deductible my check was for $8.86! All that paper work for $8.00! Anyway I think that they should apply the deductible for the last 3 mths and first 3 months of the contract so that if you get another emergency within that time, you have already met the deductible. If it was carried over like most policies, it would be a big help. If I have another claim this week, I will have to meet the deductible again! Does not seem right to me. It took about a month to get my $8.00. I am hopeful that any further claims, will not be so difficult to get paid. Since they have increase my monthly fee, by $8.00. Big jump for someone that has only had 1 claim, and they only paid out $8.00!!!
3
out of 5
POSTED:
| BY: Jeannine
Claims process could be faster
I think the claims processing could be quicker. It took from the time I sent the claim until they cut a check a little over 4 weeks. Maybe I'm expecting too much.
5
out of 5
POSTED:
| BY: Beth Lydon
Highly Recommend!
Wow, I submitted a claim that I really didn't think would be reimbursed and to my surprise I received partial reimbursement. I have had other pet insurance in the past and never received a reimbursement on any claim submitted. Service is outstanding. I highly recommend this company.
4
out of 5
POSTED:
| BY: Paula Hatcher
EMBRACE WORKS HARD TO PLEASE
My little girl, Gracie (dog) had a mass on her head that needed to be removed. Vet did the work and we submitted our claim. Embrace initially made an error in the amount paid but with an email to them they looked into it right away and sent an addtional check. They worked well with us to get the issue straightened out and worked quickly.
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.
