5
out of 5
POSTED: | BY: Darren
Painless
I had Embrace Insurance for over 4 years, it's been everything one would want. No hassles, they deliver on what the advertise.
4.9
out of 5
Number of reviews 19,922
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: Gary
Very Pleased
Very fair - unlike other insurers I've dealt with. Have insured 7 pets with them thus far. Actually care about pets.
5
out of 5
POSTED: | BY: Shirlane
Getting Embrace pet insurance has been wonderful.
When I first purchased the insurance, I doubted I was going to need it. Our cat was healthy and fairly young (7 years old). Within six months she developed a kidney problem, which has cost over $1200 so far. Embrace has covered 90% after our deductible. Thank you so much. Melody is much better and it is good to know she can see the doctor again and it won't break our budget. And it was very simple to use the claim forms.
5
out of 5
POSTED: | BY: Pallavi
Very happy and grateful for Embrace insurance
I signed up for pet insurance after one of my friends had to take her dog in for an emergency and ended up paying over $1000 out of pocket. Health emergencies can't be predicted, especially in our furry friends. So I'm glad I signed up my dog buddy in late March, as I ended up using the insurance in mid May when my dog unexpectedly had a blood infection.
Following my deductible charge, Embrace promptly (within a week) paid for the 2 visits (initial vet visit and recheck) that were done. They covered across the labs, x-ray, and vet exam, as well as the medications that she needed. I was really glad to have the insurance at the right time, and that Embrace made the process very easy for me during this stressful period.
5
out of 5
POSTED: | BY: Tammy
Highly satisfied
Who knew a Great Dane's broken toe could be so expensive? With casts, medictations and finally amputation, one little toe cost a lot! My claims were processed quickly and I was reimbursed as promised. Very satisfied with Embrace.
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.