5
out of 5
POSTED: | BY: Katie Schweitzer
Easy claim submission
Easy claim submission, quick reimbursement. Great communication system via email.
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4.9
out of 5
Number of reviews 19,979
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: Shirl Funkhouser
I've been using Embrace for years.
I've been using Embrace for years.
Claims are easy to file. Response time is quick. EOBs are easy to understand, and reimbursement checks are sent in a timely manner.
5
out of 5
POSTED: | BY: Marie
Easy to submit claims and quickly…
Easy to submit claims and quickly received refund checks on 7 claims that were covered. Vet care adds up quickly with 4 cats & 2 dogs. wish i had gotten this coverage earlier for rescue dog that had treatment for heartworm.
5
out of 5
POSTED: | BY: Jenny S.
Wonderful in every way - 5000 stars if I could!
Having been part of the Embrace customer family for 2 years, I can't say enough about them and how amazing they have been and continue to be. We signed up our puppy when she was about 5 months old.
Now that our girl is 2.5 years old, last summer she suffered a CCL injury which required TPLO surgery. This week, our "clumsy turtle" of a heeler mix is due for another TPLO surgery on her opposite leg. Today we had an x-ray series done for the ortho surgeon/specialist to make sure surgery is still medically necessary and also get those pre surgery meds. Submitting claims are super easy.
Of note, we went through the preauthorization process (which I strongly recommend!!) to ensure everything goes smoothly. It was easy to do, and gives me one less thing to worry about as our sweet girl recovers :)
Thank to all the folks at on the Embrace team for helping make our lives a little easier. We appreciate you so much!!!
5
out of 5
POSTED: | BY: Dianne Railton Bunnell
Rachel and another lady in the…
Rachel and another lady in the insurance coverage department were both very pleasant and very efficient! So far, so good!
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.