5
out of 5
POSTED: | BY: Karen
Insurance claims
Embrace has always been attentive to our claims, has processed them in a timely fashion, and have reimbursed us fairly.
4.9
out of 5
Number of reviews 20,325
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: Cheryl Pavlov-Shapiro
Amazing service every time
I think very highly of Embrace's service. Through a phone call or email, they are friendly, quick and competent. I highly recommend this insurance company!
5
out of 5
POSTED: | BY: Denise Dargenio
Getting Embrace insurance for Brody was the decision we ever made.
This is the first time we’ve ever purchased Health Insurance for one of our pets. Brody is a Boxer puppy so he’s HIGH ENERGY. Knowing that he’s protected by Embrace helps us feel more at ease when his antics make our hearts drop 😊
5
out of 5
POSTED: | BY: Ed
First time filing Claim
My pet has been insured for more than a year and luckily haven’t had any issues. Took him for his annual wellness exam. I’m so surprised how easy it was to file for a claim, let alone I got 100% of my claim. I received an email informing me that my claim is complete within a reasonable timeframe. I’m glad I picked this insurance company which is a partner for USAA. Thanks you for the quick and hassle free process.
5
out of 5
POSTED: | BY: Mitsy Williams
Efficient, easy to file, prompt payment, and very reliable staff
Embrace is an excellent pet insurance. They were always prompt in answering any questions. Easy to place claims and extremely quick in payment. Very thoughtful in dealing with clients. Would 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.