5
out of 5
POSTED: | BY: Leo
Great service
I had Embrace for my dog Vinnie for over 4 years. Never had a problem getting reimbursements. Great company.
4.9
out of 5
Number of reviews 19,923
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: Gary
Piece of mind for emergencies
I have this coverage for emergency conditions, not wellness. It has worked well managing the cost of injuries and wellness. I was disappointed in the past that mouth cancer was considered dental and not covered.
5
out of 5
POSTED: | BY: Jeff
I wouldn't own another pet without embrace
Our pet had a spinal injury at only 15 months old. Very thankful for embrace they helped us through a tough time. It is bad enough to worry about your sick pet never mind the expense. embrace helped make that part easier. Peace of mind with pet insurance hopefully you won't need it but embrace was there for us when we did.
1
out of 5
POSTED: | BY: eric
Embrace is horrible!!!
Claims are being denied for "wellness", when wellness is not what my dog was brought in for. She had non-wellness issues that I sought to get remedied by her vet.
5
out of 5
POSTED: | BY: Andrea
Peace of Mind
Moses, my American Mastiff, fractured his tibia and racked up quite the bill at the local emergency room. In the midst of my concern for him and terror at the size of the bill, I suddenly remembered that I have Embrace Insurance. I immediately relaxed and was able to concentrate on Moses and the doctor, and be "present" rather than scrambling for ways to pay the bill. The claim settlement arrived in a timely fashion, with no surprises. I would never own a dog of any size without Embrace.
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.