5
out of 5
POSTED: | BY: Kirsten Klapatch
They pay claims
They've paid all of my claims so far and paid close to the claimed amount. Some parts of the claims were not covered, but nothing major.
4.9
out of 5
Number of reviews 15,759
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: Jill A.
Outstanding service
I have been with Embrace for over a year now, and boy, was it worth it! With a new puppy, you never know what you will run in to. Embrace has been a hassle-free pet insurance, and a pleasure to deal with. Embrace always emails me to keep me updated on the claim, which is very much appreciated!
5
out of 5
POSTED: | BY: ursula rosa
Fabulous
I have never had pet insurance before for my previous dogs. But we were faced with a hard decision with our last pet and we couldn't afford to proceed with any further investigations to an illness due to cost. We had just had twins and there was no way we could spend thousands of dollars on tests and surgery to maybe find out that it was all futile and so had to put our last pet to sleep. So I made a promise to myself that I would not be in that position again. So with our new puppy in the house; I did some internet searches and fell across Embrace. I knew I did not want to go with the most well known pet insurer as I had heard that they were not good at reimbursement for major events. For me it was most important to have coverage for the unforeseen events and not for regular visits and vaccines etc... The friendly staff on the phone, discussed the available plans and options and helped me find the best plan with no pressure.My dog is 5 yrs. old now and unfortunately for her and I; she has been through the ringer with one thing and another but I can always count on Embrace to help us through financially. Improving the quality of her life which I could not otherwise afford.
I feel like embrace is family and ALWAYS highly recommend them. I already have some friends at work that have also taken out policies with Embrace. I wished I lived in Ohio .... as I would love to go visit their office and office pets. I firmly believe they are a company of pet loving pe
5
out of 5
POSTED: | BY: jody capalbo
pleased
Great customer service, respond in a timely manner. I now regret that we didnt have insurance coverage on our last dog.
5
out of 5
POSTED: | BY: Tammy
If you love your pet, get them Embrace!!
We have two dogs, and both are relatively young (one is 5 and one is 4). In discussions with friends, I found out they had pet insurance and it had been a lifesaver when her dog required ACL surgery. Something kept nagging at me to get pet insurance, and I am so glad I did. My 5-year old Husky ended up having extensive medical issues, that we NEVER would have anticipated. Embrace has been AMAZING through the whole process. The customer service is amazing.
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.