5
out of 5
POSTED: | BY: A
Very happy
Quick response to claims, very easy online claim tracking, usually receive a check within two weeks of submitting a claim. Overall, I've been very happy with 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: Donn LiPera
Best money I've ever spent
We have insured two kitties with Embrace for over 5 years and unfortunately have had to file claims a few times for each one. The amazing thing is that Embrace has been there each time to ease the financial burden of an already emotionally stressful time. They have also shown great customer service and empathy when communicating with us by phone or email. They have the most streamlined claims submittal form and process we have ever experienced. Reimbursement for covered care has always been no more than two weeks whether the it is for hundreds or thousands of dollars. We are Embrace customers for life.
5
out of 5
POSTED: | BY: Stacey M.
Always a pleasure to deal with
Whenever I call Embrace, I receive top notch customer service and prompt attention with the matter I am calling about.
5
out of 5
POSTED: | BY: Anthony L
Excellent service
The Embrace team is fantastic. My dog had surgery, and Embrace was on top of all of my claims and their customer service was fantastic. I would recommend them to everyone.
5
out of 5
POSTED: | BY: Linda Jurras
Very satisfied!
I'm very pleased with my experience with Embrace. After an entirely negative one with Trupanion whose sole mission seems to be not to pay for anything, Embrace seems to do just what it says it will do. I submitted claims for my cat who wasn't eating & required a number of vet visits which quickly became expensive and I was pleasantly surprised that Embrace reimbursed me for an appropriate amount of the expense. I've already recommended Embrace to friends and family. Nice to have a positive experience!
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.