5
out of 5
POSTED: | BY: Laura Billings
Fantastic
I love this insurance company. They are fast, reliable, and have great customer service.
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.
5
out of 5
POSTED: | BY: Debbie
Embrace Pet Insurance truly Embraced me
Embrace Pet came to my rescue when my beautiful Australian was bitten by a bee. They took care of the bill and I took care of the co-payment. They ROCK!!!I have referred them to my clients at the Cat Doctor and Friends and everyone I've referred thinks highly of them. GREAT WORK! Keep EMBRACING the world with such greta service.- Debbie
5
out of 5
POSTED: | BY: Chris
Speedy Claim Refund!
Great friendly & speedy service. Thank you.
1
out of 5
POSTED: | BY: Nancy
Awful
Don't waste your money
5
out of 5
POSTED: | BY: Irina
Integrity in handling an $8,000 claim
Four days after I had knee surgery my dog became paralyzed from the waist down. It was a disastrously stressful time. He was diagnosed with disk disease and 2 disks had herniated causing the paralysis. An emergency surgery was scheduled and there was not enough time to have the claim pre-approved. I went ahead with the surgery but was very nervous about my claim being paid out because it was going to be such a huge bill.
The total was just under $8,000. When I submitted my claim, Embrace warned me that they were a bit backed up with claims and it would take longer than expected. Though it did take a while, Embrace agents kept e-mailing me and keeping me in the loop.
In the end Embrace paid out $7,000. They covered 90% of the claim minus the $100 deductible, exactly as promised. The company did not try to weasel out of the claim and handled the claim with integrity, following through on everything that was promised before I signed up. Furthermore, they did not drop me as a client and sent me an e-mail about renewing my policy while all of this was going on.
I have definitely become a walking advertisement for Embrace. It is rare to find companies that actually do as promised and when I find one, I definitely like to spread the word.
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.