5
out of 5
POSTED: | BY: Diana Maberry
She understood my concern and was going…
She understood my concern and was going to follow up with an adjuster.
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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.
5
out of 5
POSTED: | BY: Joshua
I love Embrace
I love Embrace! They are quick to review and pay claims. The team is also very attentive and takes questions/concerns seriously. They definitely care about pets and provide excellent coverage.
5
out of 5
POSTED: | BY: Mary Badame
Always a great experience when dealing…
Always a great experience when dealing with embrace!! Fair and balanced. Sometimes they need extra questioning or explanations but as long as it's honest they check with vet and approve. Been with them since 2019 I have 3 dogs on my policy!!! Reasonable prices also
5
out of 5
5
out of 5
POSTED: | BY: Georgette Mendez
I’ve had embrace for 13 years now
I’ve had embrace for 13 years now. Embrace is easy to work with, and pretty transparent. something to be aware of, you should get preapproval on surgeries. You just never know, as some items may not covered. Also prescriptions for home are not covered unless you add to your policy (few dollars extra). All in all, it’s a good insurance. Surgery for my dog was $12,500, not to mention the previous visits. I was really glad to have embrace, as together they covered the $10,000 after my yearly $500 copay. I wish they would cover more as I ended up out of pocket after that as well. The policy goes up in cost every year, and for my 13 year old dog, I was paying $105 a month so that is something you need to keep in mind as well. Yes, I will totally recommend embrace, and I still have them for one of my dog. The process is pretty quick. If you have the app you just download your documents and then you have a few days to a week to wait on your reimbursement. Reimbursement is made via check or direct deposit in your account. Thank you Embrace for being there when I unfortunately needed you!
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.