5
out of 5
POSTED: | BY: Erin Arroyo
Excellent Customer Service
Embrace is consistently prompt with claim service and with any additional needs. Hands down, I will never use another pet insurance company!
4.9
out of 5
Number of reviews 13,924
Updated: April 16, 2024
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: Brad Myers
Proving to be worth it.
I wasn't completely sold on the whole pet insurance thing and not having the best experience with health insurance was a little hesitant to get another insurance I was going to have to fight to get my claims covered.
We have had two well visit claims and one medical claim. It was easy to file the forms, even though the first one I didn't get all the info included they helped me with everything I needed to get and paid promptly. On the medical claim, sent the info in, they reviewed and sent me a detailed statement on the coverage along with a check. Couldn't of been easier. I'm glad we got the insurance, now if I could just get Embrace to talk to the health insurance people and get them to understand what customer service should be like.
5
out of 5
POSTED: | BY: Jessie Lopez
EMBRACE PET INSURANCE IS SOLID ALL AROUND
Embrace Pet Insurance is worth every penny of the nominal premium. My 1 1/2 year old chihuahua Chapo has been ill on more than one occasion throughout this past year and my vet bills have been outrageous. Although sometimes I feel like I'm being scammed by the vets, I have nothing but 100% trust and confidence in Embrace. Their claim reimbursements are immediate, they even have direct deposit. I can always get to a live person if I have questions about my policy or any claims. I can check my claim status online. And the most important things is that they cover what they say they are going to cover. EMBRACE PET INSURANCE IS A SOLID, RELIABLE company that does everything on the "up and up."
5
out of 5
POSTED: | BY: Diane Urbanski
Delivers on its promises!
"Courteous, caring and prompt," is what I tell everyone who asks about Embrace. When our dog was diagnosed with lymphoma the only thing we dreaded more than the treatment protocol was dealing with the insurance company for the first time. Turns out, it was a breeze. Now our dog's in clinical remission and we've been fully reimbursed. Embrace delivers on its promises.
4
out of 5
POSTED: | BY: Michelle E
Cancer covered
My 13 yr old cat was diagnose with cancer after a routine oral exam. After some confusion, during which Embrace dealt with the issues quickly and professionally, they covered the majority of the bill.
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.