5
out of 5
POSTED: | BY: Katie
Best coverage ever
I love Embrace. I work at a vererinary hospital and whenever someone asks about pet insurance I recommend Embrace.
4.9
out of 5
Number of reviews 19,934
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: Sandra
This is the pet insurer I recommend to everyone!
I've had nothing but great service and delivery from Embrace. While other companies play games with what's allowable and what's not, diluting policy value, Embrace is straightforward, inclusive and compassionate. I've filed multiple claims on all three of my animals and have never been disappointed. Most recently, my 10-year-old Newfy needed surgery to remove a benign tumor, and I was concerned it might be considered a pre-existing condition, but Embrace covered it in full.
5
out of 5
POSTED: | BY: Rebecca
I love Pet Embrace!!!!
Whenever Luna gets sick, Pet Embrace is there to help. This is the best thing I could have done for Luna and my family. Knowing that there is help when we need it, takes so much worry off our minds when we are already worried about our baby. Thanks for such a wonderful service and your customer service is the best, so friendly and helpful. Did I mention that I love you?!
5
out of 5
POSTED: | BY: Julie
Very happy with Embrace
Hard to say if one can be "happy" with an insurance company because you never want to have a sick pet and need to use the insurance. I appreciate that Embrace has a healthy pet discount so that your deductible goes down over time if there are no claims. However in the last year I have had one dog that had cancer, another who had a helicobacter infection that led to IBD, and another who had an encounter with a porcupine and a kidney infection. A rough year for the pups. My dog with cancer died the day he was diagnosed so there were no ongoing treatments requiring insurance. In the helicobacter case, she required ultrasounds, biopsies, and meds for a couple months. My other dog's cases were fairly reimbursed. Embrace exceeded my expectations. Now I hope to go back to not making claims for a LONG time!
5
out of 5
POSTED: | BY: Marty
Sammi has Allergies
I have the most beautiful Golden Retriever that has allergies, which I am told is very common these days. While I occasionally would take her to the vet to deal with the symptoms, I recently bit the bullet and took her to a Vet dermatologist for allergy testing. Throughout the whole process, Embrace has been quick to review, approve and pay the claims. Hoping to knock these allergies out over the next year but extremely grateful I have Embrace to have our back. Way better then my own health insurance company. Thx
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.