2
out of 5
POSTED: | BY: T. Garcia
Claim Reimbursement
My claim was not handled in a timelt manner and was well outside the advertised 15 business days.
4.9
out of 5
Number of reviews 17,413
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: Carl Grifalconi
Great experience with Embrace
I'm just about to add Embrace coverage for my new puppy and realized that this will be the fifth dog I've ensured with Embrace. They're a great company to deal with! I've never had a single problem with any claim. They've been super responsive, and a pleasure to deal with. We have been through some really difficult medical problems with one of our dogs, and Embrace was really wonderful to deal with. I recommend Embrace to everyone I know who has pets!
4
out of 5
POSTED: | BY: Julie O
Easy to deal with
We have been pleased to have Embrace Pet Insurance, they came through for us when we really needed it for our dog's surgery. Very good follow up on claims and processing. Overall we are very pleased with Embrace Pet Insurance.
5
out of 5
POSTED: | BY: Kibo
Quick payment & great coverage
Thank you so much for the quick payment process (made within 1-2 weeks) for my last 3 claims. My young labrador has renal failure which is monitored frequently. Being on a fixed budget it is peace of mind to know that financials are handled quickly.
5
out of 5
POSTED: | BY: Nicole
Easy Insurance
So far my Embrace experience has been good. The claims are easy to send in and the company keeps me informed of the process. My first claim took quite a while to process, but they let me know they were behind but were indeed working on it. My later claim took no time at all. So far they have covered all that I expected. Very pleased so far with my first year of coverage.
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.