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.
Have been using Embrace for about 8 years and they never disappoint. If my insurance covered me like Embrace covers my furry friends - I would be rich! I cannot say enough about these folks - they are always there. When one of my friends crosses the bridge, I get a beautiful card signed by the staff. I often get personal emails checking up on one of them. You cannot get this kind of service and caring from a mega-company listed on the stock exchange.
5
out of 5
POSTED:
| BY: SUSAN ALPERN
VERY RELIABLE
I have had Embrace insurance on one dog for about 7 years and the other for about 4. I know what to expect when I take my pups to the vet in terms of reimbursement. The company pays what they say they will in 2 weeks or less. I recommend them every chance I get.
5
out of 5
POSTED:
| BY: Alexis Schadt
Absolutely amazing!
Very prompt and courteous service. Glad I went with the reviews on choosing the best pet insurance!
5
out of 5
POSTED:
| BY: Mary A
Comprehensive pet insurance with great employees
I initially chose Embrace because of the value - good coverage for the premium. They were not the cheapest, but if I ever had to make a claim, they had the fewest restrictions in regards to what they would cover (for example, they pay for the doctor's exams, where many other companies will not), and I was able to choose from a variety of coverage options right on their website, which they were very transparent about the coverage and cost for each.
Sadly for my pet, I had to make a claim (several, in fact), but happily for my pet, everyone on the Embrace staff was very friendly and straightforward to deal with, and I was able to treat him without worry that the insurance company would fight me for every penny.
I have both called and emailed Embrace staff about 10 times now to ask questions, and I am always impressed with their friendly attitude and great service. Another reviewer mentioned you get to talk with a real person. And you do. Every time. And they call you back when they say they will call you back. I cannot say enough good things. And it's not just 1 employee I spoke with. I must have spoke with 10 employees by this time. Every one of them is helpful, knowledgeable, and friendly. I am always blown away by how wonderful it is to deal with them.
It's easy for a company to be "great" when you never have to interact with anyone there. But this the kind of company you want to be doing business with because when something goes wrong with your pet, you (and you
5
out of 5
POSTED:
| BY: Donna Gebbia
Embrace is a GREAT company!
I was with another pet insurance company for 14 years and it was fine. But, when we got a new puppy I decided it was time to shop around because a lot can change in 14 years! I chose Embrace, and 18 months and a few claim later, I could not be more pleased with Embrace. While comparing companies I spoke with Embrace staff and they answered all my questions clearly and completely. Their claim form is simple and you receive email updates about your claim during the processing. The claim processing time has been extremely quick! You can't beat the direct deposit either! I have had claims over $1,000 and some under $100 - all have been processed quickly and the explanation of benefits is easy to understand. Embrace has been great to work with and I highly recommend them.
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.
