5
out of 5
POSTED: | BY: J.
What a caring company, staff, pricing, handle all questions.
They care about your pet and you,
4.9
out of 5
Number of reviews 19,862
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: beverly
Embrace Insurance is the best investment we've made in our dog.
Embrace Insurance enabled us to keep our dog, Tia, healthy and comfortable through her many health issues. We were able to enjoy her life longer than we'd expected. Our claims with Embrace were answered promptly and we received timely payment. We continue to recommend the company to our friends and family.
5
out of 5
POSTED: | BY: Heidi
Embrace and the surgeon saved my puppy’s paw
On February 3, 2020 my five-month old Norfolk puppy suffered a grievous injury to a hind paw. I was convinced she would lose the paw and thus the leg. Luckily we live 5 minutes from a veterinary trauma hospital whose Board certified surgeon was on duty that day. She was willing to try I to save the paw but advised me that this would be a long road, full of ups and downs. It would be day to day for a long time. Long story short: it took four operations and three months (plus $10,000) and Embrace to save the paw. The surgeon asked me if I had pet insurance since it would be a very expensive process. I said that I had Embrace Pet Insurance and a big smile crossed her face. The puppy, Cardigan, is now running around and going to physical therapy twice a week. They say she will be “good as new.” This would not have happened had it not been for Embrace. I have since recommended Embrace to a new pet owner who did take out a policy.
5
out of 5
POSTED: | BY: Sarah
They are wonderful -- I have been a customer for almost 7 years. Any claims I have filed have been promptly paid.
I cannot say enough good things about this company. Anyone I have spoken with there has been very nice, knowledgeable, and helptul.
Filing a claim online is easy, and they pay the claims very promptly.
5
out of 5
POSTED: | BY: Tiphanie
Excellent!
Embrace made an extremely stressful situation much less so. They were so helpful when our dog's opthomologist's office was dragging their feet about getting our claim forms back to us. The app is so simple to use, and our claim was processed extremely quickly. I highly recommend!
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.