5
out of 5
POSTED: | BY: SJK
Simple straight forward claim
It has been a very straight forward to deal with Embrace. We're newly insured, and so far so good! Thank you!
4.9
out of 5
Number of reviews 18,347
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: Mark Clarke
Disappointed
I purchased Embrace pet insurance thinking I was doing a good thing when I rescued my 3-month old puppy. However, 1-week prior to receiving coverage, my puppy was treated for a bladder infection. Little did I know that this would have resulted in a pre-existing condition and all of my future claims, because my dog is prone to it due to her inverted vulva, have been denied. On top of this all claim processing is extremely slow.
5
out of 5
POSTED: | BY: Carey
Ariel's Patella Luxation Surgery
Upon return from our beach vacation we noticed Ariel walking funny. After taking her to the vet we were stunned to find out that she had a grade four patella luxation. Little Ariel has not turned one year yet! After contacting Embrace we were relieved that the surgery would be covered under Ariel's policy. We are so happy to have Embrace insurance! We were then able to focus on Ariel's surgery and recovery without worrying about the cost.
5
out of 5
POSTED: | BY: Fred Eaker
Embrace the best
I can't say even to know that a decision to save you pets life doesn't have to be based on the fact you can't afford it. I was able to save my dogs life because I had Embrace pet insurance backing me up.
They lived up to their claims and paid out even better than I thought I would get. Like they always say about insurance you hope you never have to use it but if you do you hope it pays. Well Embrace Pet Insurance says what they mean and mean what they say.
The Payment was fair and the service was great and even faster then they say.
One of the best features that puts them out in front of all the rest is there is no per incident limit and that is one of the biggest reasons I chose Embrace.
Thank you Embrace Pet Insurance
5
out of 5
POSTED: | BY: Sutton
Wellness Rewards worthwhile
My experience with using the Wellness rewards has been positive. The process is simple and the response has always been prompt. One time a Bath Service claim I submitted was denied. When I enquired why, the Embrace staff took the time to determine that the nail clipping portion of the service was indeed eligible. So far, we haven't had an illness claim, but I am so pleased to have the insurance and confident all will go smoothly.
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.