5
out of 5
POSTED: | BY: Kara
Love this insurance
Easy to use. Fast claims. Good coverage. Highly recommend
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: susan
Very happy with Embrace
Choosing Embrace has been one of the best decisions I have ever made. They have covered all our claims (and we've had our share and then some!) I would suggest to anyone looking into pet insurance to read and re-read the fine print. In my opinion, Embrace offered the most comprehensive coverage at a reasonable price. The policy we chose covers 80% including the office visit charge which no other pet insurance offered at the time. I have recommended them to many! Thus far, very happy!
3
out of 5
POSTED: | BY: Jane Goldberg
Claims Department Needs Improvementfl
The Customer Dept. is very professional but the claims department needs improvement in settling claims. Takes a very long time to get reimbursement. I had to call three times to find out the status of my claim. Very frustrating.
5
out of 5
POSTED: | BY: John
wonderful service
We had a really hard time with our pet Maisie; she had a problem that first was identified in an xray as lymphoma. They said she would die soon. Then fine vets found it was a thymal tumor, which does not spread but had to come out. We needed first a catscan, then a through the chest operation. Through all this agony Embrace was entirely with us, never bothering us, understanding the problem and always paying services promptly. They are angels and totally on our side. We can't think of a better possible provider system. Vive Embrace and give them a hug!
5
out of 5
POSTED: | BY: Phyllis LaRiccia
Embrace is the best!
All of my interactions with Embrace staff have been very positive, but the most recent incident has been exceptional. My dog Gracie has had ongoing and worsening health issues over the past 3 months and I have submitted a number of claims. The Embrace rep has been so responsive and even called me when I questioned one of those claims. They were incredibly helpful and took Gracie's history into account for the last claim I submitted. I am very 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.