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.
This insurance carrier is very responsive, courteous and timely. I have submitted claims for wellness rewards, sickness, and regular vaccinations and all have been handled promptly.
5
out of 5
POSTED:
| BY: Louise
Quick, but thorough review & response time
Thank heavens for pet insurance. I have two dogs who have had several health issues. Embrace has been there for us through all their trials and tribulations and instead of feeling exasperated having to deal with an "insurance company", Embrace has made the financial aspect of this much more bearable. Claims are handling quickly and within 1 - 2 weeks of being submitted. Thank you, Embrace.
5
out of 5
POSTED:
| BY: Ryan Sullivan
Big Dog Bloat Surgery - 3am ER visit
When my dog had retching issues and a distended stomach at 3am, I took no time to consider my insurance requirements. I just took my dog to my regular 24 hr emergency vet.
After surgery and a two day recovery, I had a $4,700 bill.
The vet stamped my embrace form when I came to pick up my dog. I took that doc, and all of the payments (1/2 estimate pre-pay and remainder at the end of the visit), scanned them, and then emailed them to the claims email address.
There were some issues with mis-matching birthdays since I went to an ER vet and not my regular vet (whom has my current info). The ER nurse made some assumptions as there wasn't time to properly populate the on-boarding forms.
I asked the claim agent if this was an issue and he assured me that if my typical vet had the correct info, I should be fine.
It was no issue.
I also forgot to sign my claim form when I first submitted it. This also wasn't a deal-breaker as I was contacted to re-submit: no big deal.
about 10 days later, I received an email stating that my claim was approved and the amount I would be receiving.
Seven days later, I had a check for around $3,500.
With all of the sketchy stories and websites out there regarding pet insurance, I really only half expected Embrace to pay out.. and, if i did get anything, I figured it'd be a paltry sum due to some fine-print exclusions...
There was no BS, no back & forth, no issues.
I recommend.
5
out of 5
POSTED:
| BY: Luz Villasenor
The plan worked just like I expected it would !! !
Recently our VERY busy and working 4 1/2 yr. old Australian Cattle Dog endured two deep laceration injuries on her left foot. Besides her having to wear the "cone of shame" for 5 weeks and stay indoors, my claims experience with EMBRACE was the bright spot of the entire situation.Upon submitting our claim forms and required vet reports, I recieved an acknowledgment from an Embrace rep (great Customer service)and subsequent settlement. All this happened over the the course of 8-10 days!!! Very impressive...I've had this insurance since our dog was 1 year old and this was our first claim, well worth the investment... Camarillo California
5
out of 5
POSTED:
| BY: Johanna
Happy with Embrace
This is the first time we purchased pet insurance. Our veterinary office recommended VPI but after careful research and reading online reviews we chose Embrace mostly because they cover breed specific conditions and their clear reimbursement plan. So far everything has worked out as promised. Customer survice is professional, caring, and quick in their responses. I wish we would have signed up earlier.
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.
