5
out of 5
POSTED: | BY: Natalia
First check arrived!
Embrace was extremely helpful and my first check arrived quickly! I am very happy with the services and the friendly people who work to make it all happen!
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: Charles Dell'Accio
Embrace is great!
We got pet insurance and after searching we picked Embrace. They have been great sending emails, answering questions, and most of all telling you when and how much money you will be receiving for services. They check up to see if you got paid. We are so glad we picked Embrace.
5
out of 5
POSTED: | BY: Chris Middleton
Wonderful service
We got our puppy on a Saturday and purchased the Embrace insurance and Wellness plan on the same day. We took him to our vet on Monday for an examination to make sure he was healthy. At that visit, we purchased heartworm and flea protection. On Friday, we were reimbursed for the entire Wellness amount. The people we spoke with in customer service couldn't have been more helpful. They even helped me set up direct deposit so I will receive the refund even more quickly. We are extremely satisfied with this experience.
4
out of 5
POSTED: | BY: Nancy
fast, transparent service after initial hiccup
I have submitted two claims and one wellness claim to date. Embrace has processed and paid its claims within two weeks of submission, with clear explanations of what is covered and what is not. I had some initial issues with getting them to process my dog's past medical history, which was faxed over with the first claim. They stated the records were not medical charts and the full two years were not there (they were); they also lost the first claim paperwork. I called the vet to confirm they were actually medical charts, re-faxed everything, emailed the vet confirmation to Embrace, and it was as if everything got lost again because the same thing happened. It was rather annoying. I told them to look again and it was taken care of.
It would have been helpful if they explained what is supposed to happen after your first claim submission. It was below the deductible so I assumed I would hear nothing and didn't realize it was lost until the second claim's process went differently. Also, it would be nice if you could set up direct deposit online instead of having to call in and set it up over the phone. Hopefully going forward things will be smoother.
5
out of 5
POSTED: | BY: Sam/Jeanne Avallone
Outstanding interest and response to our claim
Our 6 yr old male Irish Setter suffered a sudden nose bleed with no apparent cause During the end of July 2010 .The event took us from our primary care veterinarian to
Veterinary Oncology and a MRI of our Setter's head and nose
in search of a cause for this rather rare event . We could
write volumes in regard to this incident . It would appear that our Setter is on the mend . We can not thank the staff
at Embrace enough for the interest and support shown to us through this trying time . Our Claim has been handled in
a concerned and professional manor.We have had Pet Insurance with other providers in the past but never have we received such service,support and honest concern for our
Setter and us .
Our heart felt gratitude.
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.