5
out of 5
POSTED: | BY: Amy
Excellent turn-around time
I was pleased with how quickly my check came. One of the Embrace reps even emailed me to make sure I had received it.
4.9
out of 5
Number of reviews 18,260
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: Eric
Overall great
Processing claims was a bit more timely of a process than I expected, but was always kwpt up to date with terrific customer service!!
5
out of 5
POSTED: | BY: Lauren T.
Our Embrace Coverage Saved Our Dog from Cancer
We have a wonderful chocolate lab named Otter. While playing with him, we noticed a small abscess above one of his canine's in his mouth. We immediately took him in to the vet and were told it was likely a foxtail. We scheduled time for him to go and have it removed, but they did not find a foxtail. The vet took a biopsy and a culture, but given that he is only two years old, we were not too concerned that it would be cancer. When we got the news two days later that it was in fact Squamos Cell Carcinoma, a very aggressive skin cancer type cancer, we were beyond devastated. Thanks to Embrace, however, we were able to go in the next morning and meet with the surgeon to discuss our options. As we caught it so early, the cancer was still confined to the local area in his mouth, so the plan was to remove the cancer, which meant taking out part of his jaw. 4 business days after the diagnosis, Otter went in for surgery. Of course it is very difficult to see your dog in confusion and pain after surgery, but we knew we did the right thing. Given the magnitude of the surgery, Otter recovered surprisingly quickly and was back to himself within a week. The best news came, however, when they confirmed that the margins were clean on the area that they removed and that they were able to successfully remove the entire cancerous area. Having Embrace helped us make all the right decisions for Otter without having to worry as much about the financial implications. During times like
5
out of 5
POSTED: | BY: Katie
I am so impressed!
Thank you Embrace. We have had our policy with you for about 18 months and this was our first claim. Everything was so easy! The communication was great w/ emails at every step of the way. I only wish our medical insurance for the people in our family was so upfront and well organized.
4
out of 5
POSTED: | BY: Phyllis Cole
Great service, but. . .
I appreciate the email telling me my check is in the mail and how much it will be. I just wish I could sign up for direct deposit online, as I cannot call in during your office hours. And I really need my refund now.
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.