5
out of 5
POSTED: | BY: Irma
Excellent insurance
Embrace staff has answered all my questions and my claim in a speedy manner. I highly recommend them.
4.9
out of 5
Number of reviews 20,006
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: Bonita
Fast Claim Processing
Even when I'm grumpy, these people are gracious and patient! My first claim was processed within 48 hours with communication all along the way! Love them.
5
out of 5
POSTED: | BY: Robin
Nice to know the insurance is there.
We started Embrace insurance 5 months ago. We only have had one incident that would be covered (it went toward the deductable) but the process was very easy. It's comforting to know that we have it for the BIG things!
5
out of 5
POSTED: | BY: Sidney
Embrace Pet Insurance +1
I had Embrace for my geriatric pug for a few years now. The insurance generally requires little paperwork from my end and is extremely quick in handling claims. I am extremely pleased with Embrace. Recently, my dog suffered an accident which led to discovery of multiple abdominal tumors. The time to handle this particular claim took longer than usual due to an appeal process but ultimately everything was taken care of.
5
out of 5
POSTED: | BY: Jill
Having Pet Health Insurance Proving It's worth.
I bought health insurance for my new puppy after reading up on her breed (Cavalier King Charles Spaniel) And learning about the serious health problems associated with the breed. I figured I would need in years to come. The Embrace literature says they cover breed-specific conditions. But I didn't have to wait long to use it. At four months old she had a run in with a nasty cactus. This got a $350 visit to an emergency hospital on New Years Eve. Then two month later she was spayed. $2oo covered as a wellness claim. Then she got an infection from the spaying operation. It was Sunday, so this also required an emergency hospital visit, another operation to find the extent of the infection and clean up her incision, and a hospital stay. $2,200. After the $5oo deductible and my 20% co-pay, I'm getting back about $2,665 so far this year. Don't think because your puppy is young and seems healthy you don't need insurance. I hope I don't have to use it again til next year, for a wellness visit. :)
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.