5
out of 5
POSTED: | BY: stephie
very happy
my dog Shanelle had a bad Bladder infection they handled it very good and fast, I'm very happy i only had to pay my deductible
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: Kim Meeks
So thankful for Embrace!
We've had coverage for our dog since 2014. Never filed a claim until three weeks ago. Our Beagle missed jumping onto the sofa and ended up needing spinal surgery that was over 5000 dollars. Embrace paid 80% and because we had never filed a claim the deductible was only $50. Thank you Embrace!!!!
5
out of 5
POSTED: | BY: Kathy Connors
Great communication and service
I have had Embrace insurance for 2 dogs for over 5 years. Notifications are sent out from the time claim is received, processed and approved. Couldn't ask for more. Having good pet insurance, takes a lot of stress of worry out of managing your pets health, especially when there is a serious health problem. Thank you.
5
out of 5
POSTED: | BY: Pamela Dogris
First claim-very pleasantly surprised by how easy
It's been 10 years since we had pet insurance and at that time, had another carrier. Cannot believe how quickly they followed up on our first claim. Especially surprised considering our vet visit was 12/21 and our vet sent in the claim. We received an email notification regarding reimbursement 12/28. Had issues logging in to see the results since could not remember password. Agent reset by phone and answered all questions that I had. Even though we're on the west coast, their customer service hours are convenient 8:30 am to 8:00 pm EST.
5
out of 5
POSTED: | BY: Laine Barresi
Embrace Pet Insurance Has Saved Gus's Life MORE Than Once!
I am forever grateful to the older woman that sat next to me that day at our Vet's office and said, "Oh a new puppy! You better get insurance! Puppies eat everything!!!"
I remember thinking to myself what a silly notion "dog insurance" would be, and then I thought about it again. My family needs medical insurance so wouldn't it be a good idea to have it for our new puppy? Thank GOD we found Embrace!
Gus is a PWD that makes fairly poor choices when left to his own devices. On top of eating things that no human would ever think about eating, he has Addison's Disease (which requires special food and a monthly shot), he's been diagnosed with skin cancer and has undergone radiation treatments to get rid of it in the short term, and he's had two surgeries to remove some of the "poor choices" he's made. Those on top of all the other shots, treatments for allergies and just being a "dog", well, I can attest that we have literally saved a college tuition because we HAD Embrace!
It's because we had insurance that he is still with us today. Had we not had the insurance, we would have NEVER been able to do the treatments, shots and surgeries required to keep this silly little PWD alive and with us today. With his track record, we know that we will be back at the Vet with another issue, but at least I know that we are covered when they happen and for that we are forever grateful!
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.