5
out of 5
POSTED: | BY: Lynn Warren
First impressions are usually right
Very fast application process and first claim processing.
4.9
out of 5
Number of reviews 20,325
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: Juli Woronoff
Perfect In Every Way
Best company ever!! We bought Embrace when our two cats were about a year old. One of them died at age 9 from cancer and we currently have our ten year old cat undergoing chemo for lymphoma. I cannot say enough about Embrace. They process claims quickly and keep you advised about the status of your claim the whole time. They have never questioned anything I have submitted and they seem to reimburse for everything when your pet is sick. Everything is done by e-mail, but it’s easy to reach someone by telephone. When sad things happen they are extremely empathetic and they were very helpful with options when our cat passed away. I can’t say enough good things about Embrace.
5
out of 5
POSTED: | BY: Wendy Royce
Embrace has been a life saver with our two English Bulldogs.
I will always have Embrace pet insurance, it has really helped me with my two dogs. One of my dogs is about to turn 2 and has already had 2 knee surgery's.
I would recommend Embrace to everyone!
5
out of 5
POSTED: | BY: Christine Littles
One of A KIND
This company has been by our dogs sides through the many trials we have had with their health. Everytime I submit a claim, I am guaranteed a refund within 2-3 business days. Although there was 1 time where it took a week, it was after a major surgery, but was still paid. We would recommend EMBRACE every day for the life of your dog!
5
out of 5
POSTED: | BY: Daryl L
Pleased with service.
Last year we were with Embrace for our puppy. She had some surgery that they denied coverage. I was planning to cancel our insurance, thinking why pay a high premium for her just to have the claim canceled. Then I thought I'd give it one more year and see what this past year brought us. So far we have been pleased. Claims have been paid, and in a timely manner. They are great about letting you know they are working on it.
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.