5
out of 5
POSTED: | BY: Don
Excellent service
I wish health insurers for people were so easy to deal with and so responsive.
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: Steve
great caring service
embrace has helped with out vet bills and has never let us down . Our cat has IBD and they even cover her prescriptions . Great company
5
out of 5
POSTED: | BY: Zoe
Excellent coverage and service
I bought a policy for both of my puppies. We have been lucky with Mindi, no difficult medical issues but Rosie had to have two surgeries for elbow dysphasia and she has arthritis in her hips which require biweekly shots and medication . All has been covered at 80%, this company is amazing.
5
out of 5
POSTED: | BY: Marcia
Pet Peace of Mind
I have embrace for large medical bills, not everyday things and I have had to use it twice in Elli's 8+ years and both times they were there for us. Paid out the claims quickly and covered exactly what they said they would. It gives me such peace knowing when I go to the vet I don't have to make any decisions about cost as I've got Embrace. Great program. I studied several for quite a few months when Elli was young and went with Embrace and could not be happier. I can't tell you the number of pet owners I have told about Embrace.
5
out of 5
POSTED: | BY: Jeri
Cat happy and Mommy not glued to the computer.
The claim system for Embrace is very easy to navigate and the benefits are very timely. I have been fortunate with a healthy cat so cannot comment on how well the system works with more complicated claim's filing.
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.