5
out of 5
POSTED: | BY: Ian
Excellent service
I have made 3 claims during the year and on each occasion they were dealt with quickly. I highly recommend Embrace.
4.9
out of 5
Number of reviews 19,940
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: Matt
Highly Recommended
My 7 year old pit-bull had a splenic mass rupture requiring emergency surgery. I submitted a claim and within about a week got a check for 80% coverage (about $7000 total). Without Embrace I would have been paying this off for months (maybe years!). Absolutely wonderful service, great communication (I'm an email person, and they are quick to respond, which I really appreciate). Couldn't be more pleased.
5
out of 5
POSTED: | BY: Paul
If you love your dog, be a responsible human
I'm so thankful I bought pet insurance from Embrace. 2 years later Smokey darted into a street---w/ a speeding mini-bus. Smokey is OK, but extensive hip, ACL and MCL surgery. Serious work. Total bill $9.,500.
Unless you're flush w/ cash I think it's critical that people insure their checkbook against giant claims. Being stuck in the intersection of 'Credit limit/money & vet bill' is an awful place to be stuck. Some people had to make the horrible decision of putting their dog to sleep because they couldn't afford the bill. If your dog is old, it's a heart breaker, but if your dog is young and you have to make that choice it could screw you up for years. But a higher deductible plan, don't worry about having annual exams covered, pay less (higher deductible) and be comfortable if a WTF event happens. A high deductible plan is only 1/5 of your dog's monthly food bill. Do your self a favor, but the coverage. Embrace has been great, paid claims in a hurry.
5
out of 5
POSTED: | BY: Terri
Better than our family health insurance
When we got Great Dane puppy, we wanted to get pet insurance. After a lot of research on different providers we purchased pet insurance from Embrace. Beau started to have seizures this year. Several emergency visits to vet clinics, including a visit to Cornell. He was one very sick Dane. As promised, EMBRACE covered 80% of Beau's vet bills. The bonus is, his seizures are now successfully controlled with proper medication, which is ALSO covered. Without this medication, we doubt that Beau would be here today. We recommend EMBRACE PET INSURANCE to everyone with a pet! Thank you so much, EMBRACE!
5
out of 5
POSTED: | BY: Chris
Our Embrace Pet Insurance saved us and our Dog!
We live in Sherrill, NY. We started our Embrace Insurance Policy for our Yorkipoo in January of 2015. The total monthly premium is only $32.40 per month. In November 2015 our dog become ill and was bleeding from her urinary track. Our vet found a blockage/stone the size of a marble. She required surgery. The total Vet medical bill was $1953.93, and Embrace covered $1488.06. This was after Embrace already covered $200 in covered Wellness Vet visits and medications. We are so happy we have Embrace Insurance, especially around the holidays. They paid our insurance claim in less than 10 days with no hassle. Thank you Embrace!
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.