4
out of 5
POSTED: | BY: Bridgette
Happy to have Embrace Insurance
I'm so glad I have Embrace Insurance, they came through with all of my claims.
4.9
out of 5
Number of reviews 20,329
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: William Dowd
Great Experience
My dog tore her cranial cruciate ligament and needed surgery. I've had insurance from Embrace since 2015 and had never used the service, so I called Embrace the day before to ask if there was anything I needed to do for pre-approval and the rep explained that there was no pre-approval necessary. The bill came to about $5000. I submitted the claim form on 11/21 and was notified today (11/28) that it was covered and that I'd be receiving a check in the mail for the exact amount I was expecting (based on my policy terms). It was a painless process.
I went with Embrace in the first place because they have a high deductible option. I didn't want a costly policy for routine care, but rather something to cover catastrophic issues. That's exactly what this policy did. For well under a dollar a day I was able to protect myself from bills like this. Strongly recommended! Do it today before it's too late.
5
out of 5
POSTED: | BY: Margaret Berch
Love the coverage and fast response.
I have recommended this pet insurance to as many people as I know. I like that I have two types of plans. I don't know what we would have done without it as Baxter is 11 yrs old and beginning to have age problems. Thank you Embrace!
5
out of 5
POSTED: | BY: Anda McNorrill
It was an easy experience
Great first experience making a claim. I have had them for a few years and have never needed to make a claim and was nervous but it was nice and easy!
5
out of 5
POSTED: | BY: Pamela A
THE BEST Insurance Company!
Embrace Pet Insurance is the best insurance company I’ve ever had! In his 3rd year of coverage, my dog had a claim for a vomiting episode that required extensive labs & an ultra sound. First of all, my deductible had decreased by $100 because he had been claim-free for 2 years (bonus!), so I only had a $200 deductible to satisfy before the claims were paid at 80%. I like how I was able to initially “design” my plan with a deductible of my choice and coinsurance amounts. After the claims were submitted, Embrace communicated quickly that they had received the claims and that they were under review. Within 8 business days, the claims were approved and paid! I was even able to set up direct deposit of the reimbursement amount into my bank account. How convenient was that! All communication was very clear and timely. Before originally selecting Embrace, I had researched a number of other “top” pet insurance companies, but found that Embrace had plans that worked most similarly like “human” insurance plans. I highly recommend Embrace to any pet owner!
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.