5
out of 5
POSTED: | BY: Carolyn
So comfy!!
Embrace is very easy to work with and claims are reviewed and handled quickly!
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: Dennis
Torn CCL covered
So glad Mork was covered by Embrace. She tore her CCL and needed an expensive surgery. The process from pre approval to payment was handled quickly and with out any problems.
5
out of 5
POSTED: | BY: Marybeth
Amazing!!
I would sell Embrace pet insurance for free! I have never felt so passionately about a product or service. It is priceless for the peace of mind. Amazing service- you can tell everyone at Embrace- truly “embraces” what they do! Thank you Embrace!!
5
out of 5
POSTED: | BY: Betty
Amazing responsiveness
Due to personal medical problems my pet claim wasn’t filed within the grace period for last year. While asking for clarification of the rejection, I was told to ask for a new review since I had been incapacitated. They reviewed it again and paid it!!!!! I am amazed at the compassion shown to my circumstances. I’d filed one claim last year and was surprised they covered nearly all of it and this was just another big surprise at Embrace’s willingness to pay. Definitely not a typical insurance company.
5
out of 5
POSTED: | BY: Alex
amazing coverage
So let me start off by saying the reason I even got pet insurance was because my friends cat got very sick and he couldn't afford care. He had no choice but to put his little one down. I decided that this wouldn't happen to me! I reviewed most pet insurance and was unimpressed with the coverage. I went through Geico and found Embrace pet insurance and found their coverage and costs to be the best value for the money. Well JUST OVER A MONTH LATER my cat got incredibly sick and had to spend a week in the hospital. Needless to say I was extremely worried at having such an expensive claim covered on such a new policy. Unfortunately even after all that treatment i had to put my little one down. And then there was the stress of having such a massive bill right after my kitty had passed. I was overjoyed by the fact that even though the policy was new MY ENTIRE CLAIM was indeed covered by Embrace! After just losing a pet and having to deal with the stress of an impeding bill just adds more stress to everything. But I feel such a sign of relief because of how amazing Embrace was. I cannot recommend them highly enough. Thank you Embrace pet insurance. When I get strong enough to own another pet I will definitely be using Embrace again in the future!
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.