5
out of 5
POSTED: | BY: Catherine Johnson
Dachsunds are a toy
Phil, being a dachshund decided to eat his stuffed toy.
Had to be removed. He is recovering nicely!
4.9
out of 5
Number of reviews 20,332
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: Karen Conlin
Outstanding service
So happy I bought Embrace insurance for my dog. She received all of her vaccines and had a healthy record until she contracted a virus from another dog. Bills were incredible. Embrace promptly paid and eased the pain.
5
out of 5
POSTED: | BY: Terry Martinez
Very disappointed with the results of my recent claim.
Very disappointed with the results of my recent claim. Only $27 refund after paying $60 a month for the last 5 years! I spent $309 at the emergency room!
5
out of 5
POSTED: | BY: Jessica
Worth Every Penny
Don't let their premium scare you into a lesser provider. When my female started having mysterious elbow pain, Embrace covered every diagnostic cost, and is now covering all of the expenses associated with her rehabilitation and long-term care (including acupuncture!!). I am so thankful to have them so that I could afford to do the full spectrum of diagnostics and not have to "guess" at a solution for my pup. The pet portal is easy to use, claims are processed quickly, and the customer service team is top-notch and very empathetic (we don't always think straight when our pups are hurting!).
My only complaint is that I didn't opt for the RX coverage on both dogs, and increasing coverage results in another set of waiting periods and any accidents/illness covered before you up the coverage is considered pre-existing.
5
out of 5
POSTED: | BY: Marie Matteson
When the unthinkable happends, Embrace Pet Insurance comes through for our family
After a fairly routine cryptorchid procedure, our English Lab Luke got a nasty post-op infection. We had to rush him to the Emergency Vet at 11 PM. He had a long surgery to help drain and clear the infection. I was worried that it would not be covered by insurance because we didn't take out the wellness insurance for the neuter (we could afford to pay the neuter fee, why take out ins for that, right?) I downloaded the claim forms, filled them out, uploaded them and sent them in. Records were requested from the clinics involved in his care, and the claims were processed and paid within 4-5 days. The plan we chose was a reasonable monthly fee, and a $300 deductible for 80% is better insurance for my pet, then my own healthcare coverage! Our stress was sure less after receiving the email that a check on was on its way to us. I have looked at several other companies, Embrace was the BEST choice for our family. The ease of the process was about as seamless as it gets. Thanks again ~ Luke and his humans are greatful
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.