5
out of 5
POSTED: | BY: Samantha
Great insurance!
Easy process with email updates and a helpful online portal!
4.9
out of 5
Number of reviews 19,930
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: melissa
peace of mind
4 months ago we got our new puppy, after losing our last boy to kidney disease. I was very concerned about getting a new pet after all the sadness of our last experience (not to mention the medical costs which weighed heavily on our family)But happily Embrace has given me peace of mind! Our boy Captain has used his Embrace 4 times already for well visits and 2 GI incidents. One visit cost us $1400 and embrace covered everything but our deductible! I love you Embrace! You've made it possible for our family to own a pet again without the stress of financial ruin. (and submitting a claim is the easiest thing I've ever done)
5
out of 5
POSTED: | BY: Janice
Great Concept and Exceptional Customer Service!
When we became happy parents of a precious Chihuahua pup, I decided I never wanted to be in the heart-breaking position of not being able to afford to get her treatment for a serious accident or illness. After seeing the excellent online reviews for Embrace, I decided to give it a try. I really loved that we were able to design our own insurance plan. I chose "accident, illness, dental and prescription" coverage with a $500.00 deductible, 80% coverage after that and a $10,000 max yearly pay out. We signed up when our baby was less than two years old for a yearly premium of around $250 - $300. Now that she is a more "mature" lady of 11, our yearly premium is about $475 but it's still tons less than human health insurance and well worth it for the peace of mind it gives me! In the past year I placed some claims for allergy testing/treatment and having some skin growths removed, which they covered with no hassles. Their agents have always been friendly and informative and they had a check in my mailbox within a couple of weeks! I often tell people that our dog has better health insurance than WE do! And, at least when it comes to the yearly premium and deductible, it's true! I have highly recommended Embrace to a number of friends, family and even strangers I've met at the vets. Two thumbs up Embrace!
5
out of 5
POSTED: | BY: Jeff
So glad I have Embrace
I was that guy, paying for pet insurance for years, hoping I would never need it, but hating myself for paying for it for so long in the event I never used it.
Unfortunately, I did have to use it when my 10.5 year rottweiler was diagnosed with bone cancer, and Embrace really stepped up and did what they promised they would do. No hassle, no nonsense, just did what I expected them to do. In the world of insurance, it's rare to have that level of service, and I'm extremely grateful that I can have a little peace of mind when I need to give my dog the care she needs.
Thank you Embrace.
1
out of 5
POSTED: | BY: Tracey
Do not get this insurance!
This company has not been honest in its marketing or in the way it handles customer submissions. I faithfully paid my premiums on two dogs but was denied a payment due to obscure language in the dental portion. I was also unable to sign up for the new wellness program because I already had accident and injury policies. They then further complicated the issue by wanting back veterinarian notes which I finally was able to procure and they then wrote exclusionary portions into an already existing policy. They are crooks. Don't let them take your money. Nothing but the runaround.
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.