4
out of 5
POSTED: | BY: Diane
Wellness Claim
Embrace has made filing claims very easy requiring less of my time and thus less frustration .Their fees are comprable to other pet insurances and often less .
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: Katherine
Embrace Saved Our Lives -- Really
When I rescued my beautiful Lily, I did tons of research on pet insurance and chose Embrace. Through 3 years of coverage, I've been nothing but pleasantly surprised that any company could be as upfront, honest and truly kind in every last interaction with a customer. When I discovered last week that Lily needed major surgery very quickly, Embrace responded with a pre-certification that covered exactly what it had promised allowing me to get Lily the help she needed and sparing me concerns that I'd be abandoned and bankrupted by the treatment. I had the luxury of focusing only on what was best for Lily. I would never consider having another pet without Embrace to help me. Ever. I never write favorable reviews of anything. But Embrace is really an outlier -- no quibbling over a $12,000 procedure. Imagine that.
5
out of 5
POSTED: | BY: Happy
Continued excellence and timeliness
Embrace has handled all of our claims quickly and easily. I can't say enough about the coverage and courtesy of the staff on the phone as well as the confidence I have in seeking care for my dogs. I tell everyone I meet about Embrace!
5
out of 5
POSTED: | BY: Kathy
Wish people insurance firms were this good
It's hard to believe but our dog has been "Embraced" for almost 3 years. Most recently we worked with Embrace when our pup had an ear infection. They handled the claims quickly and communication was excellent. I wish my own health and property insurers measured up to Embrace.
5
out of 5
POSTED: | BY: Pamela
Pneumonia
I'm so thankful that we didn't have to think twice when the estimate from the hospital was over $3,000 for two nights in the hospital when our Snowflake had pneumonia. I don't know what we would do without Embrace! Thank you!
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.