5
out of 5
POSTED: | BY: Frank Guasto
Good representatives
Embrace employees were very helpful, knowledgeable and pleasant.
4.9
out of 5
Number of reviews 20,322
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: Annette Martinak
Embrace is the best!!!!
Texas A & M Veterinary Hospital filed our claim for our dogs intestinal obstruction with Embrace and within a week we heard it was processed. We are very pleased with the care we have been given.
5
out of 5
POSTED: | BY: Gay Deniso
Embrace is a GREAT company!
We have had Embrace for our 4 dogs since 12/2014. I did a LOT of research before choosing them. If I could, I would rate them HIGHER than a 10! This is the best company I have ever done business with. In order to keep the monthly premium for 4 dogs at an affordable amount, we have a $1,000 deductible on each. We chose $15,000 of ANNUAL coverage for EACH dog (a serious injury or illness can run into the thousands) and have a 90% payout by Embrace after the deductible is reached. I would say to anyone thinking about getting insurance for their beloved dog or cat, don't think twice....get it and go with Embrace. We have exceeded the deductible for our oldest dog in both 2015 (cancer surgery) and in 2016 (UTI / bladder stones / thyroid). Embrace has been great....they pay out EXACTLY what they say they will. There has never once been any issues with haggling over whether something would be covered. Some companies will limit the amount of coverage for a certain service or procedure. Embrace covers exactly what the vet charges. And, they process claims incredibly quickly....they let you know via e-mail when they have received the claim and then let you know as soon as they have processed it. When they owe you money, it can be direct deposited and it is into your account within 2 days after they have finished processing the claim. If you need to call, someone actually answers the phone; their employees are always extremely helpful and pleasant. They clearly care about animals. We recommend them everywhere we go!! Couldn't be more pleased. Incredible peace of mind!!!
5
out of 5
POSTED: | BY: Hugh Phillis
Just when you least expect it...
Our Golden, Leo, had become lethargic with severe GI issues. It was suspected he might have been poisoned or developed a tumor. Our follow up care showed no tumor and helped resolve the condition. He's back to his old self. Just as much relief was provided by Embrace's coverage. Simple submission of receipts and doctors notes led to a prompt review an payment of the claim. I was very impressed by the processing and follow up care offered by the team at Embrace. They have been terrific!
5
out of 5
POSTED: | BY: Karen
Far superior and user friendly
I have 2 dogs with another company. They charge deductible for every different illness. The last claim still hasn't been resolved 5 months later. None of these problems happen with our 1 year old pup. I would change today and insure the others with embrace if they didn't have chronic preexisting ailments. Very pleased with Embrace for new dog. Live and learn.
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.