3
out of 5
POSTED: | BY: Nicole
So Far So Good
We having been using Embrace for a month now for our pup Bear ( a Bernese Mountain Dog). It has been very good and claims are processed quickly.
4.9
out of 5
Number of reviews 16,412
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: Rochelle Reiss
The ABSOLUTE BEST
Embrace has never let me down. I have said it again and again. Embrace is the ABSOLUTE BEST pet insurance company out there. Finally, after 3 years of talking about Embrace, to my Vet, they have actively, begun promoting Embrace to their pet parents. This is a win-win situation. Pets will benefit and the Vet will benefit because more pet parents will be able to afford to keep their pets well.
5
out of 5
POSTED: | BY: Margot Van
Concise, Clear, Timely, Efficient, Easy
I read the reviews and therefore decided to change from 2 previous animal insurance companies because of dissatisfaction. This is my first claim and now I know what I changed because my dog and I are very happy clients of Embrace.
Sincerely,
Margot and Hugo
5
out of 5
POSTED: | BY: JD
Great Wellness Benefits
Best wellness benefits out there especially for your first year when you are paying for lots of vaccines and neuter or spay. Spend $299 and get $400 in coverage just for wellness and it doesn't break it down by category as lots of other companies do. Instead of $15 for this shot and $30 for this medication, it is just $45 of reimbursement and you get to choose how you use it from vaccines, to monthly medications, to surgery. Very flexible and easy. Have not made a injury or illness claim yet but the refunds for wellness have been quick and painless. We did a lot of research and this is the best value out there.
5
out of 5
POSTED: | BY: Leslie Daniels
Customer Service and Claim Response
After paying for Pet Insurance for the "just in case" event, the just in case finally became a reality. My Tucker had to have surgery on both hind legs for torn cruciate (the equivalent of ACL tear in humans.) The surgery is expensive and without the insurance it would have created financial difficulty for us. Embrace processed the claims quickly and even followed up with e-mails to check in on Tucker's recovery progress. If only my own insurance company was so efficient.
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.