5
out of 5
POSTED: | BY: Venelin
Great place to be
So glad I joined a few years ago. Fast, fair, amazingly simple to use and valuable service!
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: William
Best experience
Great insurance, pays quickly.
Pleasant and compassionate to your needs when my dogs needed to be hospitalized
5
out of 5
POSTED: | BY: Christina
Great service!
As always my claim was processed quickly and efficiently. Your company is extremely organized and employees are proficient. I'm so glad I chose Embrace pet insurance.
5
out of 5
POSTED: | BY: Ellen
Wonderful service
I rescued a wonderful sweet dog who shortly thereafter was diagnosed with a venereal disease tumor that was so large it had started to bleed. So I started making claims against my insurance literally days after my policy was in force. Embrace has been fully responsive since day one, reimbursing my claims and even sending their best wishes to my pup. I am so grateful, and hope my (now cured) dog lives long enough for the company to more than recoup its costs.
1
out of 5
POSTED: | BY: Ginny
Very disappointed
Normally, I leave glowing reviews, NOT THIS TIME. My 8 year old has a pre-existing condition of urinary tract infections, a symptom of which can include leaking of urine. Cultures have been done indicating a bacterial infection. She recently has developed spay incontinence. With this leakage, cultures have come back clear/showing no growth and not an infection, but Embrace is refusing to pay for the medication to treat this. They're lumping it in with UTIs as a pre-existing when it is a NEW condition - one that often happens after a female is spayed. My advice is to insure your dogs when pups so you don't have to play this pre-existing game that Embrace, unfortunately, has chosen to play.
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.