5
out of 5
POSTED: | BY: Kathy
Best Decision ever
Buying pet insurance through Embrace was the best thing we have ever done. They were so friendly when calling and so fast processing claims and reimbursing funds.
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: Marlene
Embrace Insurance - My dog has better insurance than my employer provides for me!!
Zoey our pug has been covered with Embrace for about 6 years. We are so thankful to have a reasonable deductible and prescription coverage. When she is ill we don't have to worry about being able to afford the care she needs because our Embrace policy makes her vet expenses manageable without putting us in a bind financially. Without Embrace Insurance there was a point where we might have had to have her put down due to costs. We had a policy with another company her first two year, but changed to Embrace because the Embrace policy is much better.
5
out of 5
POSTED: | BY: Michael
Embrace is there when you need it, helpful and easy
Our 12 year old lab recently needed surgery. For the first time, we really needed our pet insurance to help us cover the expensive surgery. Luckily we had embrace insurance, that covered everything, no questions asked. If they needed additional information, they just contacted our vet and got it worked our. We are really satisfied with embrace insurance.
5
out of 5
POSTED: | BY: Mark
Not what you'd expect from an insurance company
I have to say, I was quite doubtful that purchasing pet insurance company would be very wise but after my first year of coverage, I had to renew for another year. Everything negative you've heard about an insurance company, seems to be missing from Embrace. Communication, customer service and honoring their claims, you couldn't ask for much more.
5
out of 5
POSTED: | BY: Eileen
Loki has blown out his back.
One day Loki came in from outside, and when he got a welcome pat on the butt, he yelped. Within a couple of hours he could barely walk and use his back legs. I immediately took him to my vet where they did X-rays and gave him an RX for pain. That evening he was worse, so I took him to the emergency specialty vet. He stayed two nights and received multiple tests including an MRI. and spinal tap. The result was inflammation of the spine, ruptured and bulging discs. The two days of charges came to over $5200. After my deductible, Embrace reimbursed me 80% including costs of medication. Loki is now being treated with acupuncture, chiropractic, massage, medicines and rest. He will never be the same, but at least he is able to have some comfort and a normal dog life. I would not have been able to afford this care without Embrace Insurance. I recommend Pet Insurance to all my friends with animals.
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.