5
out of 5
POSTED: | BY: Shirlane
Embrace is the compassionate insurance company.
The folks at Embrace have always been compassionate, fair and professional in all of our interactions.
4.9
out of 5
Number of reviews 19,756
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: Jane
So happy with Embrace Insurance, glad I have it.
So happy with Embrace, all my questions were answered, staff was easy to work with. Took care of my claim in a timely manner. So glad I have it. Never did have insurance for my last four dogs, what a difference. Vet visits can be costly.
1
out of 5
POSTED: | BY: Breona
Go elsewhere
Really disappointed with this company and will be changing over to Healthy Paws
5
out of 5
POSTED: | BY: Deborah
Excellent Customer Service
Embrace Pet Insurance was so affordable. I have Wellness plus illness. My claims were processed in a quick manner. They were so compassionate at the loss of my pet. I would highly recommend them.
5
out of 5
POSTED: | BY: Michelle
Finally, a Pet Health Insurance Company with Integrity!
I have had coverage for my cat Swirley for about 5 years now and until now, previously made only one tiny claim. Now my cat has been diagnosed with hyperthyroid, a common condition for older cats and expensive.
My experience with pet healthcare insurance companies before was that as soon as you actually needed them, they would find any excuse to reject your claim. All they wanted to do was to collect premiums and deny as much care as possible. (Gee, that sounds exactly like what the greedy human healthcare insurance companies do!) Embrace was different. I did have one claim denied, but that was because the vet didn't write up the claim form correctly. But Embrace made it very easy to appeal their previous denial and after the situation was explained to them, they corrected it and covered the claim.
Embrace has lots of different plans and some very low deductibles. It is much better than any previous pet health insurance company I have ever had. Wish they would start running plans for humans, ha! I'd join in a heart beat!
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.