5
out of 5
POSTED: | BY: Pam
Thank you Embrace!
Embrace has been great in their communication of claims and speed in processing claims. I highly recommend them to anyone who has a pet.
4.9
out of 5
Number of reviews 18,286
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: Barb
THE insurance EVERY pet should have
This is my first experience with insurance for a pet and I am floored! I purchased insurance for my dog plus the wellness plan. The folks at Embrace have been in contact with me constantly, helping guide me thru the process. I was able to customize the insurance side to get to a workable premium number & I LOVE the wellness plan. For $300 I get $400 worth of wellness services! I've already used $155 for annual exam & shots & will no doubt use the remaining in a few weeks when it's time for her teeth cleaning. I was amazed to get an email just a few days after submitting the claim stating that my claim refund check for the full amount will be in my mailbox within 10 days! No fuss, no muss. This is very forward-thinking insurance. These people obviously understand that if you invest in preventative care up front, you're less likely to need the insurance on the back end. Fabulous experience from beginning to end, giving me much appreciated peace of mind. Only wish I had known about this when we first got her! ....now if only MY health insurance was so easy to work with...
5
out of 5
POSTED: | BY: Alice Winfree
tremendous fast service for refund!
Alex Krooglik did a tremendous, fast job of processing a Wellness claim for one of my 2 kitties - I am *so* impressed - and, I really need that refund right now! :)
5
out of 5
POSTED: | BY: Amy
New satisfied customer
We chose Embrace because it covered genetic defects and wellness. With our new puppy's first visit we have used up all the 200 wellness coverage. Got our check very quickly.
5
out of 5
POSTED: | BY: Travis
Wellness rewards and deductible worked perfectly.
My boxer/mastiff began developing a growth on the side of his chest, causing him significant irritation. This resulted in a couple vet exams and ultimately surgery, lab tests, and several prescriptions. At the same time, we decided to take the opportunity to neuter and chip him. I chose the Wellness Rewards Plus program, knowing that I would use all of it during this first year (with the neutering, etc.), with a $300 deductible. This plan worked perfectly, even with a complicated invoice with multiple items that spanned multiple aspects of my coverage and Rewards plan. I sent a letter with my claim forms to try to discern between the different procedures and costs, but ultimately it was unnecessary: Embrace maximized my coverage by placing each expense under the proper part of my coverage- I had nothing to dispute. In addition, they covered expenses on my invoices that I did not even try to claim and was unaware were covered (e.g. nail trimming covered by Wellness Rewards Plus program). They handled everything perfectly and I even learned some pleasant surprises about the extent of my coverage. I highly recommend the Wellness Rewards Plus program (especially if you have a large breed dog or a puppy in its first year), and I am extremely satisfied with their timeliness and clarity in their claims summaries and records.
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.