5
out of 5
POSTED: | BY: Michele
Good to work with
Embrace is very easy to work with. I wish people health insurance carriers were as easy.
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: Deb
Fair and ethical pet insurance company
Now that vets have all the same tools as people doctors (MRIs, lab tests, radiation, chemo,etc.) vet bills run pretty high. When Molly was a pup we decided to get insurance. After researching it and comparing we settled on Embrace and I’ve been very pleased. I like that you only meet the deductible once per year (not per ailment) and they’ve always responded to claims within two weeks and never contested anything our vet sends them. Some years we may have paid out more than we used but other years it’s balanced out. I definitely recommend Embrace. I love the wellness policy too.
5
out of 5
POSTED: | BY: Sheila
No need to make tough decisions
My dog has had a rough year so far. We have been dealing with heart issues, eye issues, liver issues and arthritis. If I didn't have Embrace covering my dog's health insurance needs, I would have to make some very tough decisions. I thought, without Embrace, I would sell my car to pay for my dog's care. I have been with Embrace for 4 years. Each year, as my dog got older (she is now 10) the premiums would go up. But now that I see how much her care can cost in a mere few months, I don't regret paying these premiums one bit. And I appreciate being reimbursed in a reasonable amount of time. I'm so thankful for my Chelsea's insurance.
5
out of 5
POSTED: | BY: Peter
Been with Embrace since my dog was a puppy and great customer service, very reliable outfit.
We have been insured with Embrace since my 10 year old mix lab was a puppy. Had to use our policy a couple of times and always got a quick response and fast refund. Customer service representatives are quick to answer your requests, great communications online.
5
out of 5
POSTED: | BY: heather
I'm grateful for Embrace
My dog needed knee surgery. I put a claim in and within 10 days I found out 80% of the surgery bill would be reimbursed. It's a life saver. Thank you
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.