5
out of 5
POSTED: | BY: Jennifer
Awesome flexibility
It covers everything for my kitties with the wellness planSo glad I chose this company
4.9
out of 5
Number of reviews 19,755
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: Andrew
Fantastic! So glad we had them when we needed them
Our 8 y/o GSD required a total knee replacement. Unfortunately, things did not go smoothly and there were complications (torn ligaments) that required an additional four(!) surgeries - including ligament repair, an allograft, and ultimately a second new knee - over a period of approximately ten months. Needless to say, this was an incredibly expensive and emotionally trying ordeal. All the surgeries, follow-ups, radiographs, etc. cost approximately $20,000. We submitted over a dozen claims to Embrace throughout the experience and they were always processed and paid quickly. Because the process usually went so smoothly I rarely needed to contact Embrace. But the few times that I did I spoke to helpful and caring employees. In total, Embrace reimbursed us our annual maximum of $15,000. When your best friend is ill or injured, the very last thing you want to worry about is money. Having Embrace helped us focus on what mattered most: the health of our dog. As a result of this experience I have enthusiastically recommended Embrace to every pet owner I know. Five of my friends and family have already heeded my advice and insured their dogs with Embrace. Our experience is probably best summed up by the fact that my wife wants to bake ‘thank you cookies' for all the Embrace employees!
5
out of 5
POSTED: | BY: Mark
Quick and easy
I have Embrace insurance with the wellness program. Buddy, my cat, had his annual checkup on Monday. It's Friday and I received an email that a check for the total cost of his checkup was issued and that I would receive it in 10 business days...painless
5
out of 5
POSTED: | BY: Laura
Excellant
Embrace pet insurance did exactly what the policy said. My dog got an injury torn acl needed surgery, 2700.00 they covered 90%. Reimbursed me in a week. I feel so releaved that my dog has the best insurance coverage. I recommend Embrace to any friend.
5
out of 5
POSTED: | BY: Kevin
great decision
Since we got 2 puppies that were litter mates decided to get insurance in case a problem developed in the future. I did not expect our 2 year old male to develop a gastritis that resulted in an ER visit, a transfer to a specialist, and 5 days of hospitalization. Very glad we had insurance to help with the expenses. Vet Clinics filled out claim form and submitted. Easier than human insurance.
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.