5
out of 5
POSTED: | BY: Dee
Awesome
Great coverage, prompt claim processing and fabulous customer service. You cannot go wrong with Embrace Pet Insurance.
4.9
out of 5
Number of reviews 19,755
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: Jodi
Very grateful for Embrace Pet Insurance
I have pet insurance for my rescue dog and I'm so glad I did. He tore his ACL and needed surgery and I wouldn't have been able to afford it without this insurance. It was a life saver! Thank you Embrace!
3
out of 5
POSTED: | BY: Tori
Pretty good, requires upkeep
Embrace was recommended by our vet. The web portal is easy to navigate and submitting claims is simple, customer service is helpful and patient. However, on multiple occasions we have had to step in to push Embrace to file claims that our vet office already sent. Or, in the example of our first claim, there was a holdup because our vet had failed to send a form to Embrace when we initially signed up-- but we were never informed there was a problem until we tried to submit our first claim months later. We have to be alert and advocate for our claims, as so far they haven't happenned seamlessly. That's about par for the course with any kind of insurance, and luckily we haven't had any serious or very expensive issues yet.
5
out of 5
POSTED: | BY: Brenda
Emergency Treatment
I've been with Embrace for 6 years and have only great things to say about them. Customer Service is amazing and their payments quick and easy. Recently I had an emergency with my dog and had to take him to a Vet emergency room. My dog ingested gum with Xylitol which is very poisonous to dogs. My dog was kept for 24-hours at the hospital. His stomach was washed and he had to be put on fluids. My bill was 80% covered by Embrace. Once again once I submitted my claim, everything got process within a week. I had other pet insurance before but Embrace has been the best.
4
out of 5
POSTED: | BY: Julie
Happy Clients mean Happy Patients!
We have been clients for years and are very happy with Embrace coverage. The customer service is excellent too!With the coverage we have been offered, we are able to give our pet the best care possible! With the rising cost of health care, we probably wouldn't be able to give her this level of care, if we didn't have Embrace Insurance.
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.