5
out of 5
POSTED: | BY: Johanna
Easy to submit claims
Easy to submit claims
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,006
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: William A
One of the Best Investments In Insurance I've ever Made
One of the Best Investments I've ever made in Insurance. The price of emergency care has sky rocketed. Last year I had a friend that adapted a puppy. After 4 months of bliss his puppy got cancer. Long story short puppy is doing well but it took 3 months of surgery's, chemo (yes chemo) and many visits to Vet and Vet hospital. For real his Vet bills totaled over $16,000. So when we got our puppy this year I checked into animal insurance. I heard all the horror stories that the animal insurance companies never pay but after extensive research and quotes I felt Embrace was the best bang for the buck. I've had pets before and hardly ever needed a Vet for other than basic wellness but my friends experience made me choose to try it out. My puppy policy was not very expensive at all. Needless to say my puppy at 6 months old was either stung by a bee or bit by a snake (never saw what did it to her) and she went into anaphylactic shock and almost died. Well the Vet hospital bill and follow up was over $2500. Embrace paid their contracted share within 2 weeks ($1800 or 90% after my $500 deductable), directly to my bank account. After initial required documentation from me they did all the legwork with the Hospital and Vet. Best thing of all was when the Hospital told me what was needed to save our puppy I didn't flinch about proceeding with the procedures, figuring that's why I got insurance. After all was said and done It sure was nice to know I didn't have to have our puppy either put down or take on an enormous amount of debt to save her. The peace of mind was such a relief. Vets and Hospitals are not cheap these days. I can't give enough praise to my Embrace experience and their part in saving my puppy's life.
5
out of 5
POSTED: | BY: Sean O'neil
Incredible
It's very sad that people health insurance isn't as quick and easy to navigate as Embrace pet insurance is. The people at Embrace made the process so easy and were so incredibly helpful.
Thank you very much to everyone at Embrace for making a difficult time less painful.
5
out of 5
POSTED: | BY: Darlene
Thank you for making this easier
From the time we submitted our claim to payment the communication was timely and kind. Thank you!
4
out of 5
POSTED: | BY: Glenda Harris
Easy to communicate and timely…
Easy to communicate and timely responses. Claims are easy to file online. Appreciate the service.
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.