5
out of 5
POSTED: | BY: Lou
Prompt service and reimbursement
Prompt service and reimbursement
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4.9
out of 5
Number of reviews 20,319
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: Sylvia Reihs
Excellent customer service
Excellent customer service, fast and fair on all our claims. Highly recommend them. Thank you for taking care of our standard poodle.
5
out of 5
POSTED: | BY: Lori Mauer
Embrace Loves Pets
Embrace has been wonderful for years. The care and service is the best. I left another company to come here because they also offered a wellness plan that saved me money. I cannot recommend them enough.
5
out of 5
POSTED: | BY: Joanne Murach
Fair and Easy Claims process
Reasonable rates, never an issue submitting claims. If I dispute a rejection, they review the claim right away and fix any issues.
5
out of 5
POSTED: | BY: Carolyn Carter
Embrace helped with my very high vet bills
I had to take my 12 year old cat in for tests, as she was not eating and listless. My regular vet performed what services she could, but then recommended a specialist at an emergency hospital. As expected, the bills were through the roof.
I sent the claims in online to Embrace, and within about a week, my claims were settled and I had reimbursement checks in the mail about 2 weeks later. Smooth and no issues at all. Very grateful for the settlement.
BTW, my cat Pearl seems to be doing well!
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.