5
out of 5
POSTED: | BY: Fran Clark
Pleasant and Professional
We have 2 dogs and have been with Embrace for 7 1/2 years. They are very efficient, professional, and prompt with responding and processing our claims.
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: Heather Fender
Embrace is the help we need!
I never knew you could have insurance for dogs until our vet told us about Embrace. We decided to try it out with our new pup and we love how easy it is to make claims and get reimbursed. I also am very pleased with how affordable Embeace is. Thanks so much for all you do for my fur baby!
5
out of 5
POSTED: | BY: Gayle Dana
Superior Coverage and Service
Over the 6 years I have had Embrace insurance for my Leonberger, they have consistently provided great insurance coverage and service - including the most recent reimbursement of over $600 for removal of a couple of masses (thankfully not cancer). Embrace processes claims and reimbursements very quickly. Thanks Embrace!
5
out of 5
POSTED: | BY: Gay Deniso
Embrace is 100% THE BEST!
I have reviewed before so I won't write my usual super long one! But, honestly, it is hard to NOT go on forever about what a fantastic company Embrace is! If you are trying to decide on whether or not to get insurance for your beloved dog or cat, look no further! We have insured several dogs for almost 2 years now and, very simply, Embrace has covered every dollar of every vet bill (we don't have "wellness", so I am only speaking to illness and injury)! They cover exactly what they say they will....they do not question the amount the vet charges. I should say, our most recent claim (3 weeks ago) was for nearly $5,000 for a soft tissue sarcoma surgery for one of our dogs and all the care that goes with that! This is a cancer that can have "deep roots", so the board certified surgeon recommended a CT scan before the surgery to determine exactly where he needed to cut to get the required clean margins (if there are not clean margins, you have left cancer in the body). We did the CT scan which guided his, it seems!, successful surgery. (Lab work shows clean margins.) Embrace covered this expensive diagnostic tool, the surgery, etc....They processed the claim within a few days and 2 days later we had 90% of the expenses back in our checking account! With 5 dogs now, we selected a $1,000 deductible for each to lower the monthly premium. Also, picked the 90% reimbursement after the deductible for each is met and $15,000 coverage for each dog (vet bills get get high fast!!!) SUCH peace of mind!!!! Thank you, Embrace, for being there! Super nice customer service as well!!!!
5
out of 5
POSTED: | BY: Christy
Wonderful
Embrace helped pay the cost of acupuncture & Chiropractic care. What else can I say ! Wonderful! Thank you!!
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.