5
out of 5
POSTED: | BY: Nancy Wilmoth
Quick service
My first wellness claim was handled quickly and accurately. I'm gonna like this company.
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: Devin Washburn
A Lifesaver! Literally!
My 7 month old Golden has a penchant for stuffed animals (or stuffing-less might I add). I fancy myself a good pet parent, but we all know there are always going to be accidents. Embrace covered our claim without ANY questions, problems or loopholes! This past year has been tough on my husband and I financially, and emotionally. We have lost a lot in a few short months. Some of the things we lost were due to people not doing what they were supposed to be doing (our house flooded {with 4 feet of water} due to a negligent developer of a new development behind our house...we lost more than insurance would cover and the developer is bankrupt!). My point is...Embrace has not only held up to their end of our agreement, but they CONSTANTLY check in with us to make sure they are doing what they are supposed to be doing...their e-mails feel personal, not templates with your name on it! You have NO IDEA how nice it is to be able to count on PERFECT STRANGERS...especially when we have been so disappointed by so much lately. I have, and will continue to spread the word to EVERY pet owner I meet!
Thanks again Embrace. Keep up the good work!
Sincerely,
Devin and Jason
5
out of 5
POSTED: | BY: Suzanne Mayer
Great Job-again!
Having been put through the ringer over the past two years with my dog's undiagnosed "mystery" illness I appreciate very much the ease with which I'm able to submit & be reimbursed for multiple claims. Having had both other pet and horse insurance I can say from experience that Embrace is one of the best out there!
5
out of 5
POSTED: | BY: Justin
Great!!!
I have had other pet insurance in the past for other dogs... Embrace is great...
5
out of 5
POSTED: | BY: Derek Bunnell
Great Customer Service and Reimbursement
I have two dogs that are covered under embrace's pet insurance. Any time I have a claim, embrace always sends me an email confirmation which explains the claim as well as when I should hear back regarding reimbursement. One of my dogs broke his leg(and tore a couple of tendons). The vet charged me over $3500 for the surgery. Embrace, weekly sent me emails to tell me what the status of my claim was. Within a month they had reimbursed 80% of the money I paid. I have told many pet owners that embrace is a great insurance company and that they should have their pets under embrace's policies. Every customer service rep I have talked to has been so helpful, understanding and informative. Thank you so much for taking care of mine and my pet's needs
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.