5
out of 5
POSTED: | BY: Donna Johnson
Great Experience!
Claim was processed, quickly.I love the wellnes plan.
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: Katherine Apt
Life Savers
About 3 days after our insurance kicked in our dog was shot (we still don't know by who). She needed not just an intestinal re-section but a blood transfusion as well. The vets who saved her life are heroes by all accounts, but I count Embrace as a savior as well. If it weren't for the incredible coverage we received we would not have been able to afford Lily's surgeries, and she would not be with us today. We have been incredibly impressed with the level of customer service. The communication has been top-notch and the returns are quick and painless. I endorse Embrace to everyone who will listen. Pet insurance is the best decision we've made for our pets, by far.
5
out of 5
POSTED: | BY: corinne freaney
the personal touch is the most impressive of all!
my boston, petunia, has been "embraced" for two years now, and the communication, care and quick response to claims is equal to none. i have added the wellness to her contract this year, and could not be happier.
i purchased an english bull puppy for my son, under the condition that he also be "embraced" and all is well with his pup.
Embrace is the #1 insurance recommended by my vet. can't add much more to that recommendation!
corinne & petunia
5
out of 5
POSTED: | BY: Bob B
Very pleased
Incredibly efficient and responsive registration and claim process. This was my first claim and it was a substantial amount, so I wasn't sure what to expect. The entire process from pre-certification, which I recommended if possible, was very simple and easy; each employee I spoke with along the way was extremely courteous and helpful. I don't know why it took me so long to take out a policy with Embrace!
4
out of 5
POSTED: | BY: Sharon Whitmon
Wish I could have bought this sooner.
We adopted an abused and abandoned puppy in January and were told he could have some health problems down the road because of malnutrition and abuse. That is why I bought the insurance. Unfortunately it was a very short "road". In the five months we have had him, we have already spent over $7000.00. Also unfortunately, many of his problems have been deemed "pre-existing". Still Embrace has made buying the policy well worth it. Just a note to anyone on the fence about buying insurance, don't wait! Purchase the insurance BEFORE there are any "pre-existing" conditions. I guarantee you will appreciate it when (not if) your dog blows out his knees or has to have any kind of surgery. I did a lot of research before I bought Embrace and I feel I made the right decision. My poor little 9 month old puppy, Prancer, has already had to have surgery on all four of his legs. He can't walk as of this time, but we hope with physical therapy that will change. Even though Prancer has had so many challenges, we don't regret adopting him as he is a very loveable and smart boy. What we do regret is the little boys who were abusing him when he was rescued. When did little boys decide it was okay to hurt a 3 month old puppy instead of bringing him home with the request to mom, "Can I keep him?"
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.