5
out of 5
POSTED: | BY: Linda
I have had embrace insurance for all my…
I have had embrace insurance for all my dogs. They are great
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4.9
out of 5
Number of reviews 20,336
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: Mandie Benner
5 Stars from start to first claim
The policy covers more than my previous plan did with lemonade for my dog. It's more affordable too. Great customer service and the first claim was so easy to submit. Will update once I get the response to the claim.
5
out of 5
POSTED: | BY: Dachshund Owner
So far very happy with Embrace!
I contacted Embrace while my dog was at the Emergency Vet and let them know what the Vet said is possibly going on with my dog. Embrace responded via email within the hour notifying me that they were "pre-approving" his predetermined diagnosis and would accept the claims. We paid for the vet bill out of pocket but submitted the final bill to Embrace the day he was discharged. Within 12 days we received our check in the mail for the portion that Embrace would pay. I also contacted them with follow up questions after submitting the claim. Kind of drilled them with questions (in a very friendly matter) and was very content with all answers I was given. I more so was wanting confirmation to my questions. I have never purchased pet insurance and this was the first time I've ever used it. I'm thankful we have Embrace insurance, will continue to carry it on two of my pets, and recommend it to anyone if you're considering.
5
out of 5
POSTED: | BY: Beth
Embrace Pet Insurance
Our first time needing to use our Embrace Pet Insurance .. excellent experience! Easy to use and I was reimbursed the appropriate amount within 48 hours. Highly recommend!
3
out of 5
POSTED: | BY: Casey Walsh
Temporary exclusions become permanent
We use Embrace for our cats. It has covered our older cat that had hyperthyroidism well, but beware of previous conditions. They have “temporary exclusions” which they say will go away after a year, but they have refused coverage on these conditions even after the temporary exclusion has expired. This has been the case with elevated liver enzymes, conjunctivitis, and upper respiratory infections for both my older cat and my two one year old cats. This might be the norm in the industry, but I find their advertising of “temporary exclusions” underhanded and dishonest.
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.