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.
When we got our pug Augie last year, we decided to buy health insurance for him, as we'd had a dog before and the veterinary costs were often quite expensive. After doing our research, we settled on Embrace, and we're thrilled that we did. Embrace has been helpful and efficient from day one; they're quick to respond to inquiries, and quick to send reimbursements for covered visits. They also seem to understand the important relationship humans can have with their pets. Kudos to you, Embrace!
1
out of 5
POSTED:
| BY: Catie K.
It's still an insurance company. Still sheisty.
I reviewed my options and chose Embrace based on other people's recommendation. No surprise, on my first claim Embrace found reasons not to cover my puppy. I signed up for coverage on 2/1/10. I was told that after a 14 day waiting period, my puppy that we had adopted from a rescue would be covered as of 2/15/10. On 2/22/10, I took my puppy to the vet for his final set of booster shots and had the vets fill out a claim form. Upon filing my claim, I was told that since he didn't see a vet during his 14 day waiting period, that he wouldn't be covered until March. NO ONE EVER TOLD ME THE DOG HAD TO SEE A VET DURING THE WAITING PERIOD IN ORDER FOR COVERAGE TO TAKE PLACE. EVER. Still, even though he was apparently NOT covered during that month, Embrace still charged me for February's premium, even though he was NOT covered and refuse to reimburse me for this month of non-coverage. Like every other insurance company I've ever dealt with, if they can find an excuse NOT to pay, they won't. Maybe this would be a good thing to have in terms catastrophic situations - dog gets hit by a car, ingests poisonous material, etc., but for one's average pet costs - shots, check-ups, etc., I don't think this insurance helps at all. I'm giving them a "2" rather than a "1" because their online response time was quite fast... but only to tell me that I wasn't covered and they couldn't help me or refund my money. One would think they would be empathetic to rescue dogs who may not have detailed history of care, but one would be wrong.
I can't help but feel mislead and cheated by Embrace pet insurance and their not being forthcoming on stipulations required for my puppy to have coverage, and then refusing to reimburse me for the month's premium they charged when my puppy was not covered.
5
out of 5
POSTED:
| BY: Deb Harrison
Very fast processing and pay-out
I'd had insurance on my Boerboel, Durga, for about five months when the thought occurred to me that I ought to be filing claims for all these puppy inoculations and wellness products such as flea/tick/heartworm meds. Once I did get my claim together, it took less than a week for processing to occur and, maybe, a week later, my check arrived. Great service, caring people. Not your average insurance experience in a country where problems with our (people) insurance industry are a serious issue!
5
out of 5
POSTED:
| BY: Jeanne Duncan
great service, nice people
Less than a month ago, my dog had to have six teeth extracted -- and I've already received a check from Embrace! Everything went smoothly, I was contacted quickly when more information was needed, and everyone I dealt with was super-nice and helpful. It's the first time I've made a claim and I'm really pleased -- thanks!
5
out of 5
POSTED:
| BY: Lee Marcussen
Outstanding customer service and fast payment .
I have 3 wonderful cats. I have found Embrace to be absolutely wonderful. They explain the policy very well and covered the services for my 1 year old cat. When you set up direct deposit with them, you simply have your claim paid and the funds deposited into your account. They let me know they received the claim the day they received it and processed the claim within 24 hours stating I should have my payment within 5 days. Now that is service. I highly recommend Embrace for any pet owner. I rate them a 20 out of a top of 10!
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.
