5
out of 5
POSTED: | BY: anthony
excellent pet insurance
Always excellent service Would recommend to anybody that is looking for pet insurance and have done so.
4.9
out of 5
Number of reviews 19,756
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: Rosario
Great service and explanation of claims
Claims were reviewed and explained clearly and quickly. Kept up to date on status of claims. Very pleased with Embrace!
5
out of 5
POSTED: | BY: Shirlane
Embrace has saved us hundreds of dollars this year
Melody, our cat, is in the early stages of renal failure. Because of our pet insurance, we have been able to afford to have her treated with the most up-to-date medical care available. We did not have to worry about taking her to the hospital, leaving her, or having the extensive blood work completed. It was 90% covered.
5
out of 5
POSTED: | BY: Brenda
Embrace saved Gracie's life
My Golden doodle broke her L front wrist and needed to have it fused, bone grafts and months of recovery. If it had not been for the fact that we had insured her with Embrace we may have needed to put her down due to the high cost of the surgery and post op care.Embrace was wonderful. We always received checks within 10 days of summiting the bills. We could take care of Gracie and get her back on her feet without worry of how to pay the bills. I tell everyone about Embrace!!!
5
out of 5
POSTED: | BY: Barbara
Quick reimbursement on first claims
I just switched pet insurance companies, and within two months my older cat got very ill. The vet initially thought it was bladder cancer, but it turned out to be feline lower urinary tract disease that presented differently. I used up my deductible quickly with all the tests, and then the insurance kicked in.
The claims have been easy to file and I've been reimbursed quickly. I chose the drug coverage and the only thing I was disappointed in not being covered was an expensive anti-diarrhea medicine that turned out not to be a prescription drug.
Embrace was the least expensive insurance I looked at, so I was worried they would be very picky with the claims, but that has not been the case.
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.