5
out of 5
POSTED: | BY: Scott and
Very satisfied!
Fast response to our claim for charges - explanation of reimbursement amount, etc. is very thorough and clear.
4.9
out of 5
Number of reviews 17,380
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: Collin McKahin
Great Insurance, Fast Reimbursement!
We are new dog owners and wanted to make sure that our puppy was covered with the best insurance, at the best price.
Embrace met our requirments, and I can say it's level of service has far exceeded our expectations.
We have now made 2 claims for wellness visits, and I am more than impressed with the speed and efficiency of the reimbursement process. Our first claim of $85 was returned to us in 12 days (including mail time) on a paper check. I called Embrace and got set up for direct deposit for the future.
Our next claim was for $285 for our puppy to be spayed, and microchipped. The procedure was on the 4th of January. I emailed in the claim on the 5th, and was notified on the 6th that it had been received, and being processed. On the 10th I got notice that it had been approved for payment. And today (the 13th) it had posted on my bank statement as an electronic deposit!
I have no complaints on the service, or the turn around time on claims. Every time I have called the people answering the phones have been pleasant, and very helpful.
This is the way customer service should be. Keep it up Embrace! I would only ask that Schnoodles be added to the 'breed' section of the pulldown menu. :)
5
out of 5
POSTED: | BY: Kelly Sawyer
The Last Thing You Want to Think About
When your dog gets hit by a car, the last thing you want to think about is how you're going to afford treatment. Luckily, I didn't have to spend time worrying about this when it happened to my dog, Jackson. If you think your dog won't get into an accident like that, get the insurance anyway. Just in case. Collars break, leashes come off, pets sneak out the front door.
The claims process has been very easy. My claims from the emergency treatment and subsequent vet visits have all been processed in just a little over a week. Overall, great experience. Better than my own insurance company.
5
out of 5
POSTED: | BY: caren feldman
good service
I have had embrace insurance for a one year. I have been happy with the service and have recommended it to others. Caren
5
out of 5
POSTED: | BY: Tara Nissen
New to pet insurance, glad I have it!
I had only had my puppy for 1 month when I made the decision to get pet insurance. I had heard about VPI from my vet but I didn't like the pre-determined claims maximum they had on illnesses and injuries, especially since I didn't know if it was comparable to what vets really charge. I chose Embrace because of the reviews. At that time, Embrace had the most positive reviews and they offered plans that I could customize. About a month or two after I purchased my puppy's plan, she began favoring one leg. It turned out she needed surgery for her shoulder that was going to cost around $3,000. She had the surgery, is doing well, and Embrace reimbursed me after about 9 days of waiting. Overall, I am very happy with their customer service department.
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.