5
out of 5
POSTED: | BY: S.
A very good insurance
Our experience with Embrace is a very positive one. This is a very seriuos and efficient pet insurance and we are very satisfied with their handling of claims.
4.9
out of 5
Number of reviews 19,763
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: Laura
Compassionate
I like the customer service- embracers are easily found to answer all questions. I only wish the check could come a few days faster, but otherwise I am satisfied.
5
out of 5
POSTED: | BY: Stephanie
Mango's neuter
I got pet insurance shortly after getting my kitten, Mango. I work at a vet hospital, and I know the expense of owning a pet and what emergency visits can cost. I am very much into educating every client and new pet owner that pet insurance is something they need to get. I have found that Embrace Pet Insurance is one of the best pet insurances around. I like that their wellness rewards program can allow you to spend money towards products and procedures, where as other insurances would not cover. I recently made my first claim, which was Mango's neuter. A procedure that I would have had done regardless of pet insurance, but having the insurance made paying my vet bill so much easier.
5
out of 5
POSTED: | BY: Mommy
Great Coverage, Decent reimbursement Time
I’ve had Embrace Pet Insurance for just over a year. I have 2 of my pets insured, about to insure a 3rd. Over all, the company is great! They have awesome customer service, have never had an issue with coverage, and although pricier than others, I find it to cover more than other companies. Their wellness coverage is great, especially the new $400 plan… perfect plan to be able to get annual vaccines and exam, flea and tick prevention for the year, and heartworm prevention for the year… and still have money left over! If you don’t care about wellness coverage, there are other companies you can check out (like Trupanion) that are a little less costly but also have good coverage… But if you want all around coverage, Embrace is your place. I have submitted several claims- both wellness and illness claims… Usually, wellness claim reimbursements are quick (although this last submission took a week). Illness claims always take a little longer, but it has never taken more than 2 weeks to get my money back. I like knowing that Embrace is there to back me up when my babies get sick. It’s a horrible feeling not having the money to be able to pay for treatment, diagnoses, or procedures to properly take care of my “kids” and I never have to worry about that while having Embrace Pet Insurance… My pets get better healthcare than I do!
5
out of 5
POSTED: | BY: Trish
So far so good
Last year I switched from VPI to Embrace. So far I haven't had any major medical issues with my dog. But, since starting with them, Embrace has been extremely pleasant to work with and reimbursements have been timely and accurate. So far so good!
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.