5
out of 5
POSTED: | BY: Jennifer
Excellent/Quick Service :)
Embrace has always provided me with excellent and prompt customer service. Absolutely no complaints in the several years that I've been using 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.
3
out of 5
POSTED: | BY: vicky
frustrating
While the staff did give me updates, it took too long. At first I was told they had the records from one animal hospital. A few weeks later, I was told they needed more detailed information from the same hospital. The animal was sick in July, I had the forms submitted then. The case was finally settled and paid in late September.
5
out of 5
POSTED: | BY: Teresa
Refund for Ninja's spay
I was pleasantly surprised to get my refund for my dog Ninja's spay procedure that fast! I received an email specifying approval and cost of refund, and the following day the bank transfer was done!!
Truly happy for the excellent service of Embrace. My niece was right in referring Embrace to me.
5
out of 5
POSTED: | BY: Shelly
Prompt payment, Excellent coverage
I've written several positive reviews of Embrace and am glad to do so again. The coverage is really excellent. My kitty has had it for 8+ years and I've had to use it several times to cover expensive emergency procedures. I also have the wellness plan, which I just used. I appreciate getting an email each time, letting me know the claim was received, and again and email letting me know the claim will be paid and by how much. Very good communication and prompt payment.
5
out of 5
POSTED: | BY: Eileen
Terrific
I only have positive comments -the customer service, enrollment process, communication about claims, and fast payment make EMBRACE a good choice for anyone looking for pet insurance. My 9 month old Australian Shepherd puppy tore her hind leg tendons requiring surgery. I was concerned that the insurance would find something not to pay, however, all was covered (minus deductible and co-insurance). I highly recommend EMBRACE pet 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.