5
out of 5
POSTED: | BY: Alyce Spoto
Claim reimbursement
My dog wouldn't be alive today without embrace. 'Nuff said.
4.9
out of 5
Number of reviews 14,062
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: Rebecca
Excellent communication & turn around time
Love the personal and prompt communication. Excellent claims payment- timely and accurate. I've been a customer for years and am always impressed with the service and payment. Thank you!
5
out of 5
POSTED: | BY: Louise
Wellness Claim
I submitted two wellness claims for my bulldog and bull mastiff and received a response and reimbursement immediately. It is wonderful to be reimbursed for services and products that you would do to keep your pets healthy.
5
out of 5
POSTED: | BY: Lauri Austin
Very pleased with Embrace's coverage!
Our 2-1/2 year old Whippet was experiencing lameness in his front legs. After an evaluation, he was diagnosed with multiple tendon issues in both shoulders. Initial diagnostics and treatment, including surgery, totaled over $6700. While the claim evaluation by Embrace took a bit longer than expected, they contacted us during the process to advise of the status and apologized for the delay. In the end, they covered everything, with the exception of prescriptions, (which we expected, as we did not opt for prescription coverage). After satisfying the deductible, the balance of the claim was paid at the full 80%, as the policy had stated it would be. We are very happy with the coverage and service provided by Embrace. So happy, in fact, that we have just added our third dog to our policy with Embrace, and we gladly recommend this pet insurance to our friends.
5
out of 5
POSTED: | BY: Calvin Cox
Constant communication Via email
Well I have an awesome veterianarians office/hosptial (VCA animal hospital) they filed my embrace claim for me and took care of the hassle. Embrace notified me of the claim and I should be receiving my first check soon. My dog is a very healthy, playful, loving and gentle 4month old Labrador! Thank you Team Embrace!! #awesome #spreadtheword
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.