5
out of 5
POSTED: | BY: Nancy Hanover
incredibly caring
Pet insurance is so important for peace of mind. Embrace Insurance has been there for us over the past 18 months.They are straight forward and caring.
4.9
out of 5
Number of reviews 17,425
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.
1
out of 5
POSTED: | BY: Mike
Waist of Money
We got a 4 month old Terrior who has gotten sick several times first with upset stomach, then an ear infection and finaly was diagnosed with Hip Displaysia and had surgery all before reaching 9 month. I got insurance when she was 6 month old and nothing i listed above was covered by embrace. They brushed everything off as a pre-existing condition which is not covered. I don't know about you but i don't see how an upset stomach in a 4 month old puppy becomes a pre-existing condition. I understand not covering a $2000 surgery but not covering an $120 vet bill for an upset stomach?
5
out of 5
POSTED: | BY: Selena Lili
Very Pleased
We recently purchased Embrace Pet Insurance for our Newfoundland puppy and our first interactions with the company have been great! Very easy to communicate and when submitting a Wellness Rewards claim we received our reimbersement quickly. I like the fact that they give you email updates when they receive your claim and when they mail your check.
5
out of 5
POSTED: | BY: Kelly
Fast Payout
Very friendly and knowledgeable customer service representatives. Received insurance check within a week of surgery. They emailed me to make sure I received the insurance payment and if I had not they were going to followup to find out where the check was. Glad I decided to take out pet insurance throug this company.
5
out of 5
POSTED: | BY: Cris Waller
Very pleased
We have had Embrace insurance for many years now for our two dogs. Over the years, we have had a number of claims, all paid promptly. This year, our flat-coated retriever developed malignant histiocytosis, a nasty cancer that has required several rounds of chemotherapy. All of our claims have been addressed promptly and the communication has been excellent. Without insurance, we would be devastated. We chose Embrace specifically because they covered cancers like histiocytosis, which flatcoats are unfortunately prone to acquire. We are dealing with the stress of a cancer that is always fatal; it has been such a relief not to have to worry about the vet bills. Thank you, Embrace.
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.