4
out of 5
POSTED: | BY: DIS
very responsive
Embrace has been very responsive to the claims filed. I would recommend it.
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: Jim Fitzpatrick
Another promptly paid claim
The claims adjusters are very good about communicating status of a claim and explaining the settled reimbursement.
5
out of 5
POSTED: | BY: Tracy L
Embrace made our decision an easier one
After having inherited two dogs years ago that had ACL repairs and knee replacements, I vowed to never get a new pet without health insurance again. It can be heartbreaking to have to make a decision when a big price tag has to be considered.
When we got our new husky the first thing I did was to research insurance. I wanted to be sure we were taking care of any potentially big thing like the expensive ACL surgeries our collie had. Little did I expect that our pure breed 16 month old husky would be diagnosed with severe hip dysplasia. After a teary phone call to Embrace, I felt a sense of security knowing not only would the surgery be covered (over $4000), but also any needed therapy. The surgery happened the next day and an Embrace rep contacted me to be sure all was ok.
The process was simple and reimbursement was fast. But the best part was really the caring attitude and continued follow up. Embrace people are obviously PET people and not just corporate. I will never get another pet without Embrace coverage. I highly recommend Embrace.
5
out of 5
POSTED: | BY: Judy Grayson
This, simply said, is a wonderful pet Insurance!
I was referred to Embrace Insurance through a good friend. At the time my Standard Poodle was great and I wasn't certain I needed Insurance. I looked into their policies and decided with their rates that I couldn't afford to not have pet insurance! Since then I have had used the insurance more than once and the last time was an expensive emergency trip with my dog needing to be admitted for 2 days. On EVERY occasion they have responded to receiving the claim within a couple of days and I have received a check within a couple of weeks. This is a great company with representatives that are always there to assist in any way possible.
5
out of 5
POSTED: | BY: John Riffe
AWESOME CUSTOMER SERVICE!!!!!!
My two year old Great Dane (Bella) had the misfortune of a Cranial Cruciate Rupture. Sent the claim forms to Embrace for pre-certification. Smooth, easy process throughout. Paid what they promised in the contract. I would highly recommend EMBRACE. Easy to understand policy and payment procedures.
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.