5
out of 5
POSTED: | BY: Kiran
Smooth and straightforward
No hassles. Easy to understand and use. You have a claim and they'll take care of ya. Lov these guys at Embrace!
4.9
out of 5
Number of reviews 20,318
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: Catherine
Excellent!
Every interaction I have with the employees at Embrace is superb. I'm always treated with utmost care and respect by a friendly, professional associate. Filing a claim is easy to do, and Embrace is very communicative throughout the process and quick to pay claims. I highly recommend!
5
out of 5
POSTED: | BY: Kristen
Completely satisfied w/ coverage claims & service
I got Embrace after I'd seen several celebrity recommendations and I did a bunch of research on different options. What I really liked about Embrace was that they had no breed restrictions, no age limits, and no limits on coverage for each breed based on typical breed-related issues. They do not cover pre-existing conditions, as most if not all other insurance companies do not, but that is to be expected. I also really liked that they offered decreasing deductibles for each year that a claim is not fulfilled. Recently my 5yo lab mix tore the CCL in both of her hind legs 5 days apart and underwent the surgery to replace them 4.5 weeks apart. The surgery and the recovery has been hard, but the claims process was not at all. So far we've spent over $9,000 and with a wedding coming up in 6 weeks, it is SUCH huge relief that we had Embrace to cover most of it of this tragedy! The times that I have had to call customer service have all been very pleasant and helpful. I've been recommending Embrace to nearly everyone I know!
5
out of 5
POSTED: | BY: Joan Scanlon
Great customer service
I love this company -it is so responsive and works with the vet to get all the paperwork for a claim in place.We lost a cat last tear - we got a condolence card signed by many staff. Way beyond expectation
5
out of 5
POSTED: | BY: Carolyn
Positive Experience
I've had the Embrace insurance for my cat for about a year and a half. The first year I didn't have any bills at the vet, but this year I've had a lot of costs at the vet. Embrace makes filing claims easy and they process them fairly quickly. I was pleasantly surprised at how hassle-free it is and so far I've already received a claim payment. When you have a pet, you never know when an illness or accident can strike. I recommend Embrace for some peace of mind.
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.