4
out of 5
POSTED: | BY: Laura Harvey
Great communication
I really appreciated how they would keep me updated on the progress of the claim, helpful to know where it was in the review.
4.9
out of 5
Number of reviews 18,256
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: Rachel
Great company!
The customer service is excellent, there is always someone available to answer my questions. I get timely responses and everyone is super nice. Luckily we haven't needed the accident coverage yet, but the wellness rewards pay off each year! Both of our dogs are covered and it's worth it for the peace of mind if anything serious were to ever happen.
5
out of 5
POSTED: | BY: Kevin Heilbronner
Skeptical about Pet Ins? Don't be. Call Embrace
We've rescued several dogs over the years but after purchasing an English Mastiff from a breeder, we did some research and found that pet insurance was a good idea. We bought it from Embrace after researching several companies and their prices and options. Embrace was the clearest to understand and had the options we felt we needed. Our dog is about 17 months old now and very healthy, thankfully. But having Embrace gives us the peace of mind that later in life, should there be issues, she will be covered. Two options I like most: the ability to change your deductibles, which greatly impacts your annual premium and also the "flexible spending account" option. That's probably not the correct name but it allows me to spend money on anything, routine or not and then be reimbursed to a certain extent. I pay about $30/mo. to cover our baby. I pay $100/mo. for my car and $131/mo. for my house. This is well worth the $30!
5
out of 5
POSTED: | BY: Michelle
Many questions...and always a person to answer
With my first claim with Embrace, I had many questions because of the many aspects to my claim. They were always very helpful and friendly when answering my questions. ..even when I asked the same questions a couple of times! I really appreciated the personal service I received and the true desire to help me.
Thank you!
5
out of 5
POSTED: | BY: Dorothy Jane
Quick Response Time
My wellness reimbursment was taken care of promtly and the customer service team kept me informed and then made sure that I had received their check. I love the "Wellness" account feature which is like a health care spending account. It covers all of the flea and tick prevention and I can always be sure that my little dog will always be able to get her vaccinations on time.
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.