5
out of 5
POSTED: | BY: Patricia
Good job. Here's a cookie!
Quick and unambiguous outcome of the claim.
4.9
out of 5
Number of reviews 19,749
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: Lynda
My husband told me this was my best investment yet
Glad we bought pet insurance with Embrace. Great company with good employees. It may have taken much longer for our claim, but Embrace kept me updated. I never felt ignored by customer service. Good company
5
out of 5
POSTED: | BY: Mario
Embrace does what it says they'll do
Having had pet insurance 10 years ago, we were skeptical of jumping in again. But having 7 dogs (yes, 7) we figured why not try it - esp since our 9 yr old Bernese Mountain Dog just went through a $10k+ back surgery and we paid out of pocket for it. Had we been insured with Embrace, we would have only paid about $2k for it. Since insuring our eligible dogs, one of our guys was diagnosed with mast cell cancer and Embrace has been a godsend. Suffice it to say, we are demanding people and I own a small business so I know from customer service and delivering on what I promise - Embrace has it down and I'd recommend them to anyone.
5
out of 5
POSTED: | BY: Dan
Excellent Customer Service
Embrace realizes the importance of " taking care of the customers needs" in a very timely and responsive manner whether it be claims processing, policy questions or general info regarding your pet. I have researched and have had other pet insurance companies in the past but I can truthfully say that none of these can compare to my overall excellent experience that I have enjoyed with Embrace over the last 4 years. I would highly recommend Embrace to anyone who is looking for high quality professional and responsive care for their beloved pet !!!
4
out of 5
POSTED: | BY: Lindsay
Slower than expected, good communication/coverage
The response time was a little slower than we expected, but once I reached out to Embrace, the communication was quite good with quick responses to my questions. The whole process from our dog getting ill to my getting a reimbursement was about a month, which isn't a bad turnaround in my opinion. The insurance covered everything, as expected, and once the claim was submitted it was really very easy.
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.