5
out of 5
POSTED: | BY: Peg
Covered heartworm and vaccine 100%
I assumed heartworm meds would not be covered at all, but was very pleasantly surprised that it was all covered.
4.9
out of 5
Number of reviews 18,643
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.
4
out of 5
POSTED: | BY: debbie killian
comes through in the end
I am very thankful I have embrace insurance as my dog has had numerous problems this year. While the last payout took two months which was the longest time they still came through.
5
out of 5
POSTED: | BY: Deanna
excellent service and coverage!
When I rescued my dog Bailey, one of the first things I wanted to do was get her insured. I had no idea what company to turn to but found Embrace online and was persuaded by the rave reviews. I purchased both the wellness and accident/sickness policies. I just filed my first wellness claim and received a 100% reimbursement in less than 15 days. I'll be telling all of my friends to check out Embrace!
5
out of 5
POSTED: | BY: Cathy Davis
Bernese Mountain Dog - Abscess
Embrace has been terrific! The notifications of claims received was prompt. The payout completely satisfactory. I have used other pet insurance companies and am seriously thinking of switching all of my dogs to Embrace. This required two separate surgeries and several vet visits and one emergency clinic visit.
5
out of 5
POSTED: | BY: Tabitha
New to Embrace
Me and my little pup are new to Embrace. We went for her puppy exams and got her vaccines. I didn't file them right away. I got an email asking that the vet fax records with a copy of the email. I didn't need to do anything but give them the email. I got an email from Embrace letting me know they received her records. I filed the claims. I got an email within days that they were processed. I got the checks a couple of days later. And then got a follow up email to make sure I had received the checks and if not was asked to contact Embrace so they could be tracked.Very, very good customer service!
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.