4
out of 5
POSTED: | BY: AM Abbot
Superb Service
Wonderful service, care, follow through- Embrace cares.
4.9
out of 5
Number of reviews 17,406
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.
4
out of 5
POSTED: | BY: june
very solid company
we have had embrace insurance for our german shepherd since she was born 19 months ago. during that time i have been quite satisfied with the plan we created for her. for the last claim it took about 7 weeks to get the review of claim back. however, we were told at least 3 weeks into the process that delays could be expected. that helped to adjust our expectations as were becoming concerned/impatient. all's well that ends well. we are quite pleased to have insurance for our pup; and embrace seems to work fine.
5
out of 5
POSTED: | BY: Mary Van
They really do pay on claims!
I have had pet insurance of some kind on my almost 8-year-old BorderCollie since she was 8 weeks old and never filed a claim until this July. Since then, it has been one thing after another. Nothing atrocious (thank heaven!) but definitely requiring vet care. I switched over to Embrace several years ago, and every year I paid the premium I'd think - I probably don't even need this. But I'll tell you, the last 6 months, Embrace has been a lifesaver (I also have an almost 2-year-old wild puppy/dog - need I say more?) I keep waiting for a nasty letter to tell me to stop filing so many claims but instead all I get is wonderful service, quick reimbursements, and a feeling of relief. Thank You Embrace!
5
out of 5
POSTED: | BY: Brad
Long time customer
We have been with Embrace for several years now and have never had a complaint. Our late lab Tater went through some horrible times, and all the time Embrace was there with the coverage but more important kind words when you needed them. Buck, our yellow lab recently was diagnosed with a joint problem and Embrace was there again. He got the treatment he needed and just got a green card to play like the puppy he was born to be. I highly recommend Embrace.
1
out of 5
POSTED: | BY: Cori
ER Visit
I am furious with this insurance. Fool me once shame on you, fool me twice shame on me. I renewed my dog's policy after having nothing but issues with this insurance and now am still having nothing but issues. We had to bring my dog to the ER day after Thanksgiving. The bill was almost $500. The had to do Xrays, labs, etc. I submitted my claim to Embrace and the same day I get an email back that Bailey had maxed out her wellness rewards for the year so they will not be paying a good portion of the bill. The visit had NOTHING to do with wellness. When I called the ER the labtech said, ma'am, we don't do wellness visits here. I said yes I know. Every time I submit a claim to this insurance, even after calling to confirm information, they find a reason not to pay the claim. I am completely disgusted and outraged. We just got a new dog and I will absolutely NOT insure him with this company. They have been nothing but scams and headaches.
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.