5
out of 5
POSTED: | BY: Janice Makarchuk
Consistently great and prompt customer service!
All claims I have submitted have been handled quickly and pleasantly.Always a good experience. Great customer service.
4.9
out of 5
Number of reviews 20,342
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: Crystal
Just great!
Embrace is incredibly affordable so much so that you would think "What's wrong here?" But nothing is wrong! I've been with Embrace for almost 2 years and have absolutely no complaints! The quickness with which claims are processed is incredible! Under a week each and every time. I haven't had any reason to call but every e-mail interaction has been nothing but pleasant. Thank you, Embrace!
5
out of 5
POSTED: | BY: Sharon Johnson
A small price to pay...
If you wonder whether paying each month for pet insurance is worth it, I say YES...it is a small price to pay, when and if you need to file a claim for a $2600 surgery! Embrace has been absolutely great in handling my dog's claims and making sure I had the money back in my bank account before I had to pay the credit card payment. They were always available to answer my questions and alleviate all my concerns.
5
out of 5
POSTED: | BY: Katie
Definitely the right choice
My jack russell-pug mix gets himself into ear infections on a yearly basis which are always covered. I give the form to my vet who faxes it to Embrace and I get emails telling me they got the claim and that it's been covered and to log on to see the results of the claim. It's so great! The customer service via email and phone calls are amazingly helpful. I recommend Embrace to everyone with an animal.
5
out of 5
POSTED: | BY: Carolyn P
Embrace has been (almost) all we could hope for!
Our 12 year old Pit Mix, Brandy, was listless, had no appetite, a touch of diarrhea. All of these a very out of character for this still energetic girls with a good appetite. The vet ran lots of tests that were inconclusive. But also found dehydration and gave a big dose of sub-cutaneous fluids. The total for all the tests, xrays, procedures, and substances was around $500! And Embrace covered it all. The only reason I've given them a 9, instead of 10, was that they considered our earliest claim to be for a "pre-existing condition." Too complicated for this space, but we'd only adopted Brandy a couple days when we signed up for the insurance so it seemed pretty harsh.
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.