5
out of 5
POSTED: | BY: Terri Tasto
Happy with Turn Around TIme
You response was fast considering the training on a new system to process the claims faster.Thank you
4.9
out of 5
Number of reviews 15,784
Updated: May 29, 2024
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: Diane McEvoy
The Right Decision
What can I say about Embrace? Everyone with whom I have had contact has been professional, sympathetic, helpful, willing to the the extra mile, and attentive to the details of whatever claims have been submitted. Although I have had numerous dogs over the course of my adult life, I never thought about obtaining pet insurance. I finally decided that having pet insurance might be a good idea. At the recommenation of my vet, I selected Embrace. I made the right decision and cannot speak highly enough about their excellent service and compassion.
5
out of 5
POSTED: | BY: Linda G
Efficient, fair, great customer service
I've had Embrace for a year. In that short time, Gus has needed two surgeries. The process was easy and I received the amounts expected. I have recommended Embrace to friends and will continue to do so.
5
out of 5
POSTED: | BY: Mike
Embrace handled my claim smoothly and quickly
Once again, my claim was handled professionally and in a timely fashion. They cover what is promised and communicate every step along the way. Wish more companies handled customers like that.
5
out of 5
POSTED: | BY: Maria and
My new forever pet insurance company!
We recently joined the Embrace family and purchased insurance for our dog and our cat. We did a ton of research online for all of the pet insurance companies and Embrace seemed to have the best reviews. And now we see why.
When our indoor Persian cat Luci, snuck out of the house and got hit by a car we were devastated. After many appointments and a surgery we are happy to report that she is recovering nicely from an amputated tail and broken pelvis.
We filed our claims with Embrace and they immediately confirmed receipt and even emailed us personally a few days later to let us know that there would be a slight delay in reviewing our claims. They happened to be updating their claims system at the time. We all know technology updates are necessary but we also know that companies don't always share this type of information and may just leave you impacted. Great job Embrace! You handled that perfectly. Right then I knew they cared. And just so you know the delay wasn't very long. Our claims process took less than 3 weeks.
They kept in touch throughout the process and whenever we called to ask questions the customer service was stellar. They are always pleasant and really do treat you like part of their family. They showed sincere concern for our Luci and made every interaction personal.
Their claims settlement process is very straight forward and efficient, their statements are easy to understand. Not a lot to decipher, you know what they are reimbursing you for a
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.