5
out of 5
POSTED: | BY: Carol Lester
Excellent service
Excellent service
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,923
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.
4
out of 5
POSTED: | BY: Dianne
Fantastic company !
Fantastic company !! They are well informed and listen to the client. In addition, they are quick when we submit a claim.
5
out of 5
POSTED: | BY: Robert
Ruperts quality of life 100% due to Embrace!
So far, my experience with Embrace and the claims process and timely response has been just terrific. Unfortunately, a few items are not covered such as Hyperbolic Oxygen Therapy post-surgery along with some minor meds like probiotics (which are trivial in cost anyway) but I suppose it's understandable as these items are not too costly and are technically subjective as to benefits. It is funny that chiropractic is covered though. Regardless, the major expenses have ALL been all covered subject to the deductible and co-insurance I chose, so no surprise there. Ruperts bills have been around $32,000 thus far and we're probably not done. So far, I've been on the hook for around +/- $5,000 or so out of pocket (including the HBOT therapy and probiotics). In my opinion that represents an extraordinary value for my premium dollar and more than exemplifies the purpose of having insurance in the first place. This is the second pet that I have had covered with Embrace and, unfortunately, in both cases coincidentally they both developed the same condition and my experience with Embrace has been outstanding for both.
5
out of 5
POSTED: | BY: Mary
Easy to submit a claim
It is refreshing to visit a website which makes the process of submitting a claim so easy and straightforward. It honestly only took me about two minutes today. Also, the last time I submitted a claim I received payment very quickly. Thank you so much!
5
out of 5
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.