5
out of 5
POSTED: | BY: Sara
Great Service
We joined Embrace in January and have had great service. We have had dental and wellness claims and have promptly recieved our money and explainations.
4.9
out of 5
Number of reviews 18,312
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: Dave Roeber
Very Satisfied
We recently had to have a lump removed from our cat's hind leg. I was very pleased with the response and reimbursement from Embrace. This is the second company I have insured with and I'm so impressed with Embrace. Thanks.
4
out of 5
POSTED: | BY: Lara Krolczyk
Overall good, but one issue of feeling cheated
Overall Embrace was great and timely about processing my claim. There was some confusion regarding how many forms I needed from vets, but after a few emails this was cleared up. My only complaint really would be that I understood Embrace covered Chinese herbs if prescribed by a vet (and one of the reasons I chose this company). This is what I submitted and felt I had met the requirements (prescribed by a vet). During the claims process, I found out they reimburse based on an FDA approved list and this list was only made accessible to me after several emails back and forth and a specific request to do so during the claims process. I would have preferred this link to the FDA list be noted on the website for people to see during the process when they are deciding if they will purchase insurance. This one point felt a little "bait and switch" but overall the claim was handled and they emailed throughout the process so I didn't wonder if my claim was sitting on a desk somewhere.
5
out of 5
POSTED: | BY: Carol
Your customer service and support is outstanding !
I am very pleased. I just cant believe how easy it has been to file a claim. The communication is perfect. I receive email communications of every step taken.
I cant thank you enough. This has been one of my best monthly investments made. Love my dog Gizmo and love his insurance. I will gladly spread the word to other pet owners. I found out through a co-worker who was just as pleased with embrace. There is no wonder why. I am just as pleased. Thank you all !
5
out of 5
POSTED: | BY: Karen Synnott
Awesome!
Thanks Embrace! My dog wasn't eating and throwing up constantly so we had to bring him to the ER for testing. He ended up being fine thank god! but the bill was sure racked up in the four hours we were there. Though the claim process took about 15 business days (which really isn't that long when you think about it) we got exactly what we expected to get back. Thanks to Embrace I can give my pets the care they need and not have to worry.Everyone I ever speak to at Embrace is so nice and they seem like they really care about my pets. I am so glad I went with Embrace for my pet insurance. Thanks!!!!
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.