5
out of 5
POSTED: | BY: Stacy
Reliable
See previously sent email
4.9
out of 5
Number of reviews 19,930
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: corinne
we have been "embraced" since 2009
Petunia, my boston terrier, has been plagued by allergies this season. visits to my vet and emergency vet at 1:30 am were covered and paid by Embrace with a short turnaround. She is feeling so much better. I am very very happy to be able to go to the internet portal to check on past and present claims. this is a wonderful feature.
5
out of 5
POSTED: | BY: Michael
Simply the best
I've tried many pet insurances and have been the happiest with Embrace. They are simply the best!! They have paid on every single claim! Noote expensive vet bills!
5
out of 5
POSTED: | BY: jack
great experience
1st time claim for Embrace was as easy as possible.Send claim by fax,they responded right away and claim was approved very quickly.
1
out of 5
POSTED: | BY: Vanessa
Canceling my policy
We chose Embrace over other pet insurance plans because it offered the most comprehensive coverage. However, after having our dog's skin condition be denied coverage because of an ear infection she had as a 3-month-old rescue puppy, we see that loopholes will be invoked to avoid paying out claims. We chose to pay for the Wellness plan to avoid situations like this, and are very disappointed with the ruling on this illness.
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.