5
out of 5
POSTED: | BY: Customer
Excellent customer service
Very helpful in a stressful situation after our baby kitten had an accident.
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: Holly
Another great experience
I was so happy when Embrace covered my dog's hip surgery. When he didn't recover as quickly as I hoped, I took him to 3 weeks of physical therapy. I thought it might be a stretch, but I submitted my receipts along with the receipts for his post op pain medicines. I was so happy to see that they covered my claim again. This pet insurance has more than paid for itself in just a few short months. Thanks Embrace!
5
out of 5
POSTED: | BY: Laura
Love Embrace -- great customer service!
My male dog has had first testicular cancer (he was a cryptorchid and we never knew!) and now cancer in his lymph nodes, so his care has definitely been expensive! Having Embrace takes such a weight off my shoulders to not worry about money. Their coverage is great, submitting claims is easy, and reimbursements are extremely prompt. Plus, their customer service is awesome -- I'm always able to get someone on the phone who can help right away.
5
out of 5
POSTED: | BY: Heather
Best pet insurance I've found compared to Pet Plan
I have Pet Plan for one of my dogs and Embrace for my other 2 dogs. They have almost identical coverage. Embrace is half the cost of Pet Plan (I pay the same for my 2 dogs combined as I do for my 1 policy with Pet Plan). With Pet Plan I have a $200 deductible for each claim. That means for any minor vet issues I always have to pay out of pocket first. My Pet Plan dog has 2 serious/expensive health issues which Pet Plan covers a significant amount of each year after the deductible. This is why I have not switched her over to Embrace for the cheaper monthly premium (her conditions would be considered preexisting by Embrace). But, every time she needs to go to the vet for something else, I'm back at square one. I easily pay 4 to 5 $200 deductibles a year. My 2 Embrace dogs have a $500 deductible each for the year. Once I meet that, all claims are covered. I find this much more useful. Recently one of my Embrace dogs injured his back. Bills piled up quickly and Embrace has covered everything after I met the deductible. They even covered vet-recommended laser therapy (similar to physical therapy) which I had not expected and was much appreciated. Also, Embrace mails my check in about a week. Pet Plan, though they have been getting faster, takes at least 3 weeks. For my next dog I will go with Embrace. My only complaints (with all pet insurance I've found) are the lack of immediate coverage for hip problems.
5
out of 5
POSTED: | BY: Adele
Great Insurance
I am very happy to have my dog covered by Embrace. They been fantastic with all the claims. My contacts were all treat with professionalism. I recommend this company for your pet needs.
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.