5
out of 5
POSTED: | BY: Charlie
Reliable insurance
Thanks Embrace! Ageing is not nice, I am the older cat in the neighborhood and you have me covered every time I needed.
4.9
out of 5
Number of reviews 20,003
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: Melanie
If you own a pet get your embrace policy.
So glad we have our embrace policies for our two doodles.
5
out of 5
POSTED: | BY: Angel
Simply the best - better than all the rest!
With 5 dogs of varying ages and health issues, the safety net that Ebrace Pet Insurance has provided has been invaluable. Beyond that their customer service, ease of process and access to information is impeccable. I cannot imagine ever having a furry family member without Embrace as being part of our planned care!
3
out of 5
POSTED: | BY: Douglas
I am beginning to think pet insurance is a farce
Insurance rates literally doubled this year. Wellness program l- buy $250 cap for $216, ridiculous. Anesthesia cost split between 2 procedures because one was not covered. It was not extra for the uncovered procedural; cat was already out. Between 2 visits, $1500 bill in a week and the the deductible we got $60. I suppose it’s best to have it in case something happens. However, I am starting to think if one put the cost of insurance for the year and added a small amount into an emergency pet fund every month, it would be much better financially.
5
out of 5
POSTED: | BY: Ben
Highly recommended! Embrace cares.
I strongly recommend choosing Embrace pet insurance as a referral from USAA. We found it very easy to use Embrace for claims at a time when our 8 year old golden doodle was very sick. All my questions were answered on the phone or through the app by email with courtesy and professionalism. I am glad I chose the $300 deductible and 90% reimbursement. The security of knowing we could get specialized veterinary care was worth the cost of insurance. I found the Embrace app easy to use and their confirmation emails about receiving and processing my claims were timely. There was no hassle about covering the claims. Our vet helped us a little with filing the claims but the paperwork was simple. Finally, the genuine tenderness of the correspondence from Embrace staff was a true blessing. Thank you to all the Embracers.
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.