5
out of 5
POSTED: | BY: Karen
Helpful under Stress!
Embrace has always been able to have a ready answer, and quick turnaround for any claims I have had over the years. Thank you!
KT
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: Christopher
Embrace does what they say they're going to do.
Embrace is very easy to work with and the customer service reps are knowledgable, responsive, and are empowered to make decisions, which shortens the process.
5
out of 5
POSTED: | BY: Louise
Great company
I have had Embrace for 9 years. I have always found them to be helpful, courteous and good to work with. They pay claims timely, keep you informed along the way, and their direct deposit for reimbursements is easy to enroll. I would highly recommend them. My only wish is that they would develop a plan with no dollar cap (inclusive of preventive care). Other than this, I really appreciate all they've done for my pet.
5
out of 5
POSTED: | BY: Barbara
Simple, easy and professionally handled.
First time ever have purchased Pet Insurance! I did a little searching of options offered through other pet insurance companies. I chose Embrace and so pleased with my choice! Everyone I have had contact with at Embrace has been so helpful and very thorough in explaining everything!!
5
out of 5
POSTED: | BY: Jess
I’m so glad we “Embraced” Halo
I’m so glad we had insurance for Halo! We visited the vet for our routine visit and they discovered tumors that we didn’t know he had and told us they needed to be removed and the surgery required a specialist. Since Halo is a senior Cavalier, he also needed a cardiologist check to be sure he could handle the anesthesia. It was an enormous relief to have coverage for him since this was so unexpected and, frankly, expensive that we may have had to delay his care. Embrace was a pleasure to deal with and worked on our behalf quickly and efficiently. Can’t say thanks enough, and Halo is 100% on the mend.
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.