5
out of 5
POSTED: | BY: sean
Easy to work with
Claims paid quickly.. They took initiative to follow up with my Vet directly to work through paperwork.
thanks!
4.9
out of 5
Number of reviews 17,219
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: Deborah Ide
Quick Reply
I'm very happy with how Embrace handled my dog's claim. It was relatively quickly. I'm so glad I chose Embrace as my dog's insurance company. They kept notifying me as to the status and if they needed extra information.I'm so glad I had the insurance for my dog.
5
out of 5
POSTED: | BY: J. Metzger
The best
I have had so many things go wrong with my dog in the last 6 months....I had to pick a claim amount but I am not reviewing any specific claim, so I just chose a random amount. Before this year I thought Embrace was a waste of money. But I have so far had over $1500 refunded to me which is a BIG DEAL and who knows what the future holds, my dog is only 7. They are SO easy to deal with, just fax a simple form in, and get a check within weeks. I have yet to have them refuse anything even though I feel like I am faxing over forms every week (lets hope that stops). I only wish they had human health insurance!!! Consider it, Embrace! This is my third review and likely my last because I am just repeating what I have said before.....don't even consider another company!!!
5
out of 5
POSTED: | BY: Mary Beth
Kept usinformed and quick determination
This was the first time we submitted an illness claim. We were away from home and our dog had dermatitis (hot spots). We were able to go to a vet of our choice. Since this was our first claim we needed to submit a health history from previous vet visits. We requested records be sent to Embrace from our vet and the Embrace representatives kept us up to date on the status of those records. Once they were all received, the determination was made the next day. We are very pleased with the professionalism, communication and resolution of our claim.
5
out of 5
POSTED: | BY: Eric N
Fantastic!
I have tried many pet insurance companies through the years, and Embrace ranks at the top! Some of the prior companies I've tried would only reimburse "customary" charges - but couldn't even provide a schedule. It was a shot in the dark how much I would actually be reimbrused. I didn't need that additional concern when I was already worried about my sick pup. I am so happy I found Embrace. It is clear what will be reimbursed with Embrace. On top of that, Embrace is very prompt in claims reviews as compared to some others. Embrace provides peace of mind, exactly what a top-notch insurance company should. Bravo!
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.