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.
OK, so this is not the first pet insurance carrier I've tried so I speak with experiance in which company I think is the best, and its by far, Embrace.
Things I like most are:
1. There is an actual person that answers the phone and addresses your questions, etc. Not like an answering service type person, but a real person that actually cares about your pet.
2. The claim form isn't confusing and its easy to submit all your information.
3. You don't need all kinds of ridiculous paperwork to get your policy started.
4. The turnaround time for a reimbursment check is reasonable
5. The way that your policy is broken down is easy to understand.
5
out of 5
POSTED:
| BY: Wendy
Embrace delivers excellent pet health coverage
After the loss of our 19 yr old and later our 14 yr old cats we thought about buying pet insurance on our newly adopted 1 yr old cat. We compared the common pet insurance carriers, their policies and payout for illness/accident coverage and came across Embrace Pet Insurance. They have a plan the pet owner customizes to match their own budget from basic to full coverage. A policy based on customer's choice, not by a "limited" fee schedules as other pet insurance carriers offer.
We selected a $200 deductible, 10% co-Pay, coverage $10,000 for $21/mo per cat, a 1 and 2 yr old in San Mateo County, CA. Rates are based on zip code (which is good as vet expense in our area are very high), we get a 15% discount for microchip, 2nd pet, and paying annually. The website is user friendly at: www.embracepetinsurance.com
About a month after obtaining coverage, our cat almost died from a serious Sepsis infection. Hospitalized at 2 facilities, Embrace totally delivered covering 90% of expenses after deductible. Our cat Termyte had 3 other visits that year, which were also covered, Embrace paid promptly (before the VISA bill arrived). Our vet bills totaled around $3,000 that first year.
Now a customer for 2-1/2 yrs we are still impressed and added our 2nd kitty to the plan. The best pet insurance out there by far. Underwritten by Lloyd's of London is impressive. The "Embracer's" as they are called are knowledgeable, caring and compassionate. We knew this company was something special!
5
out of 5
POSTED:
| BY: Jenny
Great insurance and customer service
Embrace is very easy insurance to buy and to use. If you have a pure-bred dog, there's absolutely no reason NOT to choose embrace since it's the only company willing to cover breed-specific conditions. So far, we've had a couple of claims and the submission/approval process is very clear and efficient and service is great! We are very happy customers.
5
out of 5
POSTED:
| BY: Alison
Embrace is Great!
I spent a LONG time deciding which pet insurance company to choose for my bernese mtn dog. I read about Embrace and couldn't refuse. Unfortunately, my dog did end up needing a TTA knee surgery a year after I bought the insurance. Needless to say Embrace was GREAT! They completely lived up to expectations. Embrace made the claims and precertification process very easy. They also were very kind, always asking how my dog was doing. I highly recommend Embrace.
5
out of 5
POSTED:
| BY: Nicole M.
Best experience in the worse time
We have had Embrace for about a month. A couple weeks ago I woke up to find our dog unable to stand up. It was a very horrifying experience. Two weeks later our had has had to have a bilateral FHO. So far everyone has been amazing. They have kept me calm and collected. If it werent for Embrace this experience would have ranked with the worse in my life.
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.
