5
out of 5
POSTED: | BY: Miriam
Great
I don't know what I would do without it
4.4
out of 5
Number of reviews 19,876
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: Crystal
Don't second-guess go with this company
This is the first time I've used pet insurance so I was a bit nervous about taking out a policy a few years ago. I looked at several companies and the ones that seem to be popular had too many stipulations in their contract. I decided to go with Embrace pet insurance because there weren't so many stipulations but I was still nervous as to where they would pay or not. A few years later my dog got congestive heart failure and Embrace has been absolutely amazing. They have paid every single Bill and in a timely manner. I would go as far as to say they are the number one company in my opinion. I would just love to say thank you so much embrace for paying my dogs bills because if you had not I would not have been able to keep her alive in situations where she had to be rushed to the emergency room with congestive heart failure more than once. Because of you we get to spend more time with our sweet baby girl . Thank you so much from the bottom of our hearts.
5
out of 5
POSTED: | BY: Pamela
My experience with Embrace has been amazing.
As everyone knows having a sick pet is like having a sick child. Nothing could be worse. Having to fight with an insurer is adding injury to insult. When I needed a pre-certification at the 11th hour for a very expensive cancer diagnosis, the adjusters at Embrace bent over backwards to deliver. And every time I've submitted a claim since then, Embrace has been prompt with payment. I also feel that the Embrace team truly cares about my dog. They even have a fantastic Facebook page where they posted his picture and I received tons of messages of support! How kind is that? I've recommended Embrace to all of my pet-owning friends.
4
out of 5
POSTED: | BY: David
They always come through although payments are a little slow.
They always come through although payments are a little slow.
5
out of 5
POSTED: | BY: Donna
Embrace has been a great blessing to us
When our dog started limping, we struggled with the vet for months - then a referral for an MRI - we couldn't have afforded it without Embrace, then other issues related to the limping - finally found the answers, and she is healing nicely. Thanks to Embrace who has been there all the way - helping us afford the diagnosis and treatments.
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.