5
out of 5
POSTED: | BY: Sue
quick, efficient, and good communications!
Always have a good experience when dealing with EMBRACE. Our pets are well-covered and it is well worth the effort to insure your best friends.
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: Maria
Simply the best pet insurance
Always great customer service, always quick to process claims, always well-informed and helpful. That's Embrace. What a nice thing to know that when my little dog has veterinary needs -- whether they be for routine preventative medications, dental cleanings or more serious office visits -- Embrace will work quickly to answer her claims. Thank you Embrace!
4
out of 5
POSTED: | BY: Elicia
Claims processing
I love the detailed written explanation the claims adjuster provides with the claim. It is a nice personal touch.
5
out of 5
POSTED: | BY: Michael
Why would you go without pet insurance?
I LOVE EMBRACE. My Golden Retriever was diagnosed at age 3 with osteosarcoma (bone cancer). Jack had surgery to remove his front right leg and he is now a happy tripawd. Embrace quickly processed all of the vet bills as well as the oncology bills and I could not be happier with the service. Every time I call, I am treated with respect, compassion and with excellent service. Embrace is better than my own human health insurance. You cannot go wrong with this company!
2
out of 5
POSTED: | BY: Seth
Embrace...Unfair Policies Regarding Anything Small
Embrace has covered the more expensive emergency items which was nice BUT they have unfair policies regarding smaller claims. My dog had diarrhea before I started my policy. So they say that is a pre-existing condition and I would have to wait 12 months before they will cover any diarrhea issues. WELL...my dog made it 10.5 months with no diarrhea and recently had a bad case so I took her in. Embrace denied the claim even though she was only about a month and a week or two away from being cleared. Now I have to wait another 12 MONTHS for them to cover diarrhea. I don't know about you and your dogs but dogs get diarrhea from time to time more depending on many factors. I take very good care of my two yr. old dog. But I also socialize her and she can catch things from other dogs. Personally, I think humans get diarrhea more than once a year. How can they expect a dog to not get diarrhea for 12 months?! Seems unfair and a loop hole so they don't have to cover it.
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.