5
out of 5
POSTED: | BY: Mark Zaplin
Embrace comes through
Excellent coverage exactly as advertised. Follow up great communication
4.9
out of 5
Number of reviews 18,286
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: Sharon L.
Outstanding Claims Service from Embrace
We have had nothing but outstanding claims service from Embrace since we have enrolled our Miniature Schnauzer Dakota Blue into the program. This is for everything from several wellness checkup claims to an illness claim for bladder x-rays and to treat a condition for allergies and for crystallaria, or calcium oxylate crystals in the urine, a breed specific chronic/genetic/hereditary condition for miniature schnauzers which could potentially lead to bladder stones if left untreated. The staff at Embrace was very courteous and answered all our questions, and the turnaround time was also outstanding for claims reimbursement at usually 1-2 weeks or less. In all ways, we are quite pleased with the no-hassle service we have gotten since signing up for the policy for our loved one. Will recommend this pet insurance to everyone.
5
out of 5
POSTED: | BY: Arlene
Dental reimbursement fo Cookie
Embrace assisted me with my dental bill for my dog, Cookie. I had a easy process of submitting my paperwork and within the required days I received my reimbursement of $400.00.
5
out of 5
POSTED: | BY: Rebecca
Tremendous in Handling Claims!
This is so much better than human medical insurance!! I submitted a claim form which had part well and part ill services on it. They wrote me and explained they would be splitting the claim into 2 claims and promptly processed each one and paid out very quickly. I would have expected them to reject the claim and make me resubmit them separately, but instead they took care of it and I didn't have to waste time. Soooo appreciated!
5
out of 5
POSTED: | BY: Jeffrey Carney
Good Value and Coverage
I compared all the different companies, and found Embrace to offer the best coverage and value for my Golden Retriever. I particularly like the wellness coverage. Claims have been processed promptly and can be deposited directly into your account. I wish I would have found them sooner.
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.