5
out of 5
POSTED: | BY: Miekie
Promises kept
Fast, efficient and transparent. Very happy to be with Embrace.
Read more on Trustpilot
4.9
out of 5
Number of reviews 18,643
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: Wendy Kheel
I had a claim recently that Embrace…
I had a claim recently that Embrace denied because of a pre-existing condition. So, I contacted my vet to find out what condition was being referred to. My vet wrote an email explaining that it was not pre-existing, Embrace reviewed it, and agreed and they covered the costs. But, the Embrace email said that there continued to be a pre-existing condition. So, my vet challenged that saying that the test used on my pet was before she became my vet and that test has been declared inconclusive and no longer considered valid. Embrace reviewed this and agreed so my pet no longer has a pre-existing condition on her record. I have never had an insurance company take issues like this seriously and reconsider their decision which Embrace did and I really appreciate.
5
out of 5
POSTED: | BY: Scott Johnson
Great claim submittal and review…
Great claim submittal and review process.
4
out of 5
POSTED: | BY: Lyna Torres
Good experience
Good experience. I was able to get at least half of my bill covered which helped some.
5
out of 5
POSTED: | BY: Randi Miller
Embrace is the BEST
When my dog blew out his knee, I admit I panicked about how I would afford his surgery and aftercare - then I remembered I have Embrace. I received my reimbursement via direct deposit in less than 30 days, and thanks to the addition of Wellness coverage, I had a lot fewer out-of-pocket costs than I imagined. Its a real comfort to have such comprehensive and compassionate care from an insurance provider.
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.