4
out of 5
POSTED: | BY: Vance Myers
Easy to submit my claim.
Easy to submit my claim.
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4.9
out of 5
Number of reviews 19,744
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.
1
out of 5
POSTED: | BY: Lacey
It took over 30 business days to…
It took over 30 business days to resolve my first claim, which is absolutely unacceptable. Even after I submitted all required documents my claim was placed on hold. I resubmitted then two times more and then contacted the ask email with all the details. Finally, my claim was approved but I only see a number without an itemized explanation of what was covered. All my other insurances would have included this. Just because it's pet insurance doesn't mean you don't have to provide itemized items.
5
out of 5
POSTED: | BY: KB Anderson
Best Experience Ever!
My recent experience with Embrace Pet Insurance was without a doubt the best I've ever had! They truly care about their customers. I really appreciate the generous way they resolved my latest concern and would certainly recommend them to my family and friends. Thank you Embrace Pet Insurance!
1
out of 5
5
out of 5
POSTED: | BY: Mike Emery
Saved my Pups Life
I purchased insurance on my first pup when I got her. I figured she was no different than one of my own children and I should give her the best life I can so I purchased Embrace insurance for her.
Two years she was claim free, then all of a sudden over a holiday weekend she was not herself, very lethargic and was sick and having accidents which she never had. We took her to the vet and the vet admitted her for a week, we thought she was doing better, she had a surprise for us, on the 4th of July she relapsed and bloodwork was very bad. My doc had an idea of what she had (IMHA) but couldn't confirm it, so she said you need to get her to ISU Vet Med. We rushed her to ISU and in the first 30 mins IMHA was confirmed, she got an immediate blood transfusion and was admitted and watched for a week there. This whole ordeal was in the range of $10,000. She's on daily medication now and relapses about every 18 months, but is easily manageable since we know what we are looking for now.
Without Embrace to help soften the blow of the cost, Paisley would have to have been put to sleep as the cost to save her I couldn't afford. Embrace allowed me to say do whatever to save her only if it won't give her a poor quality of life, she still lives her best life to this day, running around outside, playing with her brother and being a sweet pup with such a sweet temperament. I can not say enough about the insurance, they're simply the best and going without pet insurance in todays costly world is not a smart choice.
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.