5
out of 5
POSTED: | BY: Jenny
Great Service
Embrace has been easy to work with and quick to respond to questions. They worked with my vet to make sure my cat was covered for certain procedures and tests. Thank you!
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: Ronald
Excellent Service
Embrace is a good company. They are immediately responsive to inquiries
and claims and answer questions fully.
The reps are courteous, professional.
They have enabled me to recover significant expenses after illness of my dog Satchel.
5
out of 5
POSTED: | BY: Kristi
Embrace's online claims process is very easy to navigate, with fast and fair adjudications.
I have had Embrace for three years and have always had positive experiences with them. The claims process has always been simple and efficient, and the Embrace staff has always processed the claims within a couple of days. I also like that you can pull up your claims history and review the details of each claim, including how much remains of your deductible. Of course, with the deducible and then the 20% (or whatever you've chosen in your plan) co-pay, your pet has to have a pretty bad year for you to get the benefit of Embrace paying for vet bills.
That said, I continue to pay the premiums because if there was a catastrophic need, like a car accident injury or cancer, I don't want to have to worry about paying for expensive treatment if. That peace of mind is worth the price of the premium!
5
out of 5
POSTED: | BY: Matt
Fair and easy service
Great insurance
5
out of 5
POSTED: | BY: Jenni
Great Company
We have had Embrace insurance for about 6 years and we have never had a problem. The Embrace team is very responsive and I never felt like we had to wait very long for our claims to be processed. Everyone I have spoken to on the phone has been knowledgeable, nice and professional. I highly recommend this company.
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.