5
out of 5
POSTED: | BY: Selena
Embrace is on-onpoint!
Dealing with embrace is hassle free, The people are great, and they cover what they say they're going to cover.
4.9
out of 5
Number of reviews 20,332
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: Emily
So thankful for Embrace!
I was so happy I had pet insurance when my dog had unexpected post-surgical complications after his neuter. He was cryptorchid, meaning the surgeon had to retrieve one of his testicles from his abdominal cavity. He suffered from several complications after the surgery, requiring three additional surgical procedures, a week of hospitalization and 6+ weeks of medications. The Embrace team has covered every accident & illness claim I've submitted, which saved us financially. Being insured gave me the peace of mind to tell the surgical team to do whatever was necessary to heal our puppy, no matter the cost.
5
out of 5
POSTED: | BY: Kay Jacques
Wonderful Service!
We have been Embrace customers for 2 - 3 years now. Our husky Zeus was diagnosed with lymphoma about 3 months ago. He just finished his second round of chemo and I couldn't imagine going through this without Embrace.
The vet's office has been great about submitting claims quickly after each appointment and I have a reimbursement check within 10 days of the treatment. I called Embrace at the beginning of this journey and they were compassionate, caring, and very helpful with the information they provided.
I have recommended Embrace to friends and even strangers I meet at the store as we're buying pet supplies. If you have pets, you need pet insurance and Embrace is the best!
5
out of 5
POSTED: | BY: Rebecca Brown
Incredible
I can't say enough about the informed, kind and caring Embrace staff. Every claim is handled efficiently and within the 10- 15 days promised.
5
out of 5
POSTED: | BY: Luisa
Great coverage, great customer service
I had pet insurance (VPI) for other dogs, many years ago, but this time around I did some research, talked to friends, and heard such good things about Embrace that last December I decided to sign up all three of my dogs. So glad I did! My four-year-old mixed breed dog, always super active and healthy, came down with a persistent case of swollen tonsils a few months ago. ER visit, vet visits, specialists, biopsies... the bills piled up. I distributed claim forms to all vets. The vet offices faxed or emailed everything to Embrace; Embrace kept in touch with me via email; the deductible was met; and refunds were issued in a timely manner. And: after a quick call to the Embrace office, instead of a check in the mail, refunds were transferred electronically and were in my bank account the next morning.
I love my dogs, and I'm happy to know that Embrace has them covered. I'd recommend Embrace wholeheartedly to anyone looking for health insurance for a beloved canine companion.
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.