5
out of 5
POSTED: | BY: Becky
The absolute best pet insurance available!!
Excellent service and affordable! Very courteous staff. Very efficient with claims processing!
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.
2
out of 5
POSTED: | BY: Jim
Painfully slow
I have been paying premiums since Oct. 2017. I filed my first claim 2/1/18 - it is still on hold, 3 months later.
I filed 2nd claim on 3/3/18 - it just got processed, 2 months later. They are very prompt at sucking the premiums out of my checking account at the beginning of the month - painfully slow at anything else.
Embrace dwells on the tiniest inconsequential comments in my pet's medical history, and uses them to exclude major coverage.
Embrace held a contest in February 2018 which they misrepresented as "cutest sleeping dog photo" - it was actually "who could get the most friends to vote for their dog". Cuteness was irrelevant.
5
out of 5
POSTED: | BY: Nancy
i ALWAYS RECOMMEND
I can't rave about Embrace enough. My elderly dog is going for acupuncture and laser therapy and I am able to send him once a week due to Embrace. I have all my dogs on it and wouldn't change a thing. It's worth the price and more. Every vet I go to, every person I talk to, I encourage them to find out about Embrace and how it can help them.
5
out of 5
POSTED: | BY: Tomey
Grateful
I’vd had Embrace dog Insurance for approx 6-7 years or so and recently had to submit a very large claim. The process was easy and I like the fact that I didn’t have a deductible since I haven’t had a claim in over 4 years, reason being is that each year there isn’t a claim the deductible reduces by $50. That is a very nice feature. Within 7-10 days of submitting my claim a check had been issued. The staff is always kind and knowledgeable. My only dissatisfaction as with every insurance is the monthly cost has doubled since I first signed on. But if you’re not going to be disciplined to put away the money yourself each month for emergency I would highly recommend Embrace for the peace of mind should an emergency occur. It’s very expensive to get a dog treated at a vet. I just hope the monthly premium has a cap. Other than that I’m very grateful and thankful for their coverage and excellent customer service. ❤️
5
out of 5
POSTED: | BY: Tanja
Best Service Available
Embrace has literally saved my dog's life. After having been diagnosed with idiopathic pericardial effusion, my dog has had to receive multiple intensive treatments and surgery. The insurance allowed me to make sure all of her medical necessities were taken care of and for that I am eternally grateful. The customer service is second to be none. This is by far the best pet insurance company and the best thing you can do for your pet is to sign up! It could save their life! Thank you Embrace!!
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.