5
out of 5
POSTED: | BY: Pat
Timely and good coverage
Appreciate this good insurance and quick response
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: Terri
Outstanding Coverage and Claims Paid Promptly
Knowing her potential for acrobatics and high activity level, our Aussie pup Ripley has been Embraced since the day she came home with us three years, at 8 weeks old. I never expected her major claim would be for a dental injury. Playing with her brother, she had a hold of his collar and caught her molar on the metal D-ring, breaking it all the way to the root line.
Embrace covered the initial consult with the local vet as well as the oral surgery with a board-certified veterinary dental specialist. Being able to get her the best care and knowing Embrace would cover the surgery provided tremendous peace of mind. I was impressed with Embrace's prompt and helpful customer service as well as their payment of all covered expenses exactly as outlined in my coverage documents. There were no surprises. I received my reimbursement much faster than expected.
I cannot recommend Embrace highly enough and both my Aussies will be Embraced for life!
5
out of 5
POSTED: | BY: Bernice
Happy with Embrace
Happy with coverage provided in a timely manner, however, not happy with the increased premium.
5
out of 5
POSTED: | BY: Julie
More than just pet insurance
Once again, Embrace has made me so grateful I have them in my corner. Whenever I get a huge vet bill, which thankfully isn’t often, I always breath easy knowing that I’ll get a reimbursement from my pet insurance. Not only that, but they always address my pet by name and give well wishes to my pet. It’s just a nice touch. I can’t say enough about Embrace and I’ve recommeded them to many friends who feel the same.
5
out of 5
POSTED: | BY: Robin
True to their word and unbelievably fast claim reimbursement
Our dog was diagnosed with a choroid plexus tumor between his brain stem and his cerebellum. As surgery was extremely risky, we opted for stereotactic radiation therapy for our boy. So far his claims have been over $11,000 and with the follow-up MRI n a few months, we will probably come close to maxing out our $15,000 claim limit for this year. Because there is no lifetime maximum, if he needs more treatment in the future, we can get it for him. I can't say enough good things about how Embrace has treated us. As soon as they have received a claim, they have reviewed it and issued a refund by direct deposit within just a few days. We have not even had to carry over a credit card balance for this while waiting for a refund! Every dog I own from now on will be covered by Embrace, and I hope to God we won't ever need to use it again!
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.