5
out of 5
POSTED: | BY: Kimberly
Excellence at its best
Embrace is a company you can trust! They will help you every step of the way and process claims so fast. Place your pet in the best hands. Thank you Embrace.
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: Clifford
Lifesaving
I first enrolled in Embrace for my mastiff pup, but shortly thereafter added my old man beagle just for completeness. It turns out to be one of the best decisions I ever made for his care. My little man had en extremely rough time this year, suffering from bloat and later developing seizures. Trips of the ER are never easy, but at least I could make decisions based on his quality of life, and not the limitations of my wallet. Embrace has always been easy and accommodating for the small things: wellness visits, the odd ear infection, etc. I wasn't sure if I'd get more push back or hold ups when it came to big ticket items like emergency surgery and MRIs. As it turns out though, the answer was no. Everything went through just as smoothly as normal, my boy is alive and well, and I didn't have to mortgage my house to see that happen. I cannot recommend Embrace more highly. They've been fantastic beyond words.
5
out of 5
POSTED: | BY: Michael
Great to work with and always accommodating
Anytime I have called with questions everyone is extremely courteous and educated. Pleased working with all
5
out of 5
POSTED: | BY: Silvia
professional customer service and fully responsive to all claims
A member for nearly 7 years. Participate in their wellness program which results in their paying me a few bucks for doing what I would normally do
for my dog, a wellness check every year. Their adjudication of claims is timely and correct. Only had one incident were I disagreed whether the
claim was for wellness or illness and after I provided additional info they changed it to my satisfaction. Customer representatives are always professional and courteous. Best decision I could have made to go with Embrace.
5
out of 5
POSTED: | BY: Patty
I'm very happy!!
When I first got embrace, I was worried it was going to be just like all other pet insurance companies out there. I've been really satisfied with each and every of my claims that I've send. They keep me updated on the status of my claim and reimbursement. I've recommended embrace to many pet parents and will continue too.
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.