5
out of 5
POSTED: | BY: Cathy
Has been a lifesaver
The Embrace claim staff has been very helpful in educating me. I added the Wellness Plan and that has covered her vaccinations and her basic puppy obedience class!
4.9
out of 5
Number of reviews 20,006
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: Tamra
Feels like family!
Always great communication with the team and the coverage has worked out on every visit. Thank YOU!
5
out of 5
POSTED: | BY: Jerry
Efficient claims process
We chose Embrace because they offered coverage overseas where we were stationed at the time. My previous experience with pet health insurance was with Healthy Paws, and I was happy with their cost structure. Embrace has similar a cost structure (i.e., deductible, and % of the billed amount reimbursed), but I could pay the entire year's insurance premium in one lump sum for a discount, which I couldn't do with Healthy Paws. Saving some money = good. The claims process is exceptionally quick, and the vets I've gone to here in Tampa all work with Embrace, so they handle 90% of the claims paperwork/transmittal/filing for me. Less paperwork = great. I also bought into the Wellness Plan, which I've used up in less than half a year, so that was money well saved; and I bought into the prescriptions plan, which is also helping to offset my actual out-of-pocket costs. I was always going to get pet health insurance for our new puppy, having had a good experience previously; I'm glad I signed on with Embrace.
5
out of 5
POSTED: | BY: Tiffany
Easy and reliable
Doggie had leg surgery so I’ve used the insurance twice to reimburse me for the X-rays and surgery. Claims were processed quickly and staff is very responsive. Claims process is very easy, take the claims form to the vet, they’ll stamp it, and send that form in with the vet bill. Super easy!!
5
out of 5
POSTED: | BY: Rose
Excellent service
Embrace is such a user friendly pet insurance . I highly recommend to all of my pet loving friends . The claim process is very easy. My veterinarian office processes the claim for me and I get a response right away via . Email . They have been so helpful anytime I have a question .
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.