5
out of 5
POSTED: | BY: Erin
Claim Service
Great work! Fast turn around! Very diligent company.
4.9
out of 5
Number of reviews 19,237
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: Theresa Luke
Embrace is the BEST!!!
Embrace has the best service, they get back to you quickly when they receive your claims, keep you posted on what is happening and explain everything to you when you have questions in a quick and friendly manner. I used another pet insurance before so I can compare the two and I have been so impressed with the staff of Embrace. I always get a quick response to my emails. Fast and friendly service.
5
out of 5
POSTED: | BY: Susan
Embrace: 2 Thumbs Up!
This is my 3rd year with Embrace Insurance. It has saved me hundreds of dollars in medical expenses over the 3 years that I've owned my Standard Poodle. The staff is responsive, payments are typically made quickly (although, there is some fluctuation), and all in all, I am very satisfied with the coverage. I always recommend that new pet owners call Embrace!
5
out of 5
POSTED: | BY: Bethany
Very straighforward, excellent customer service!
We have been with Embrace Pet Insurance for about 8 months now, and it has given me major peace of mind in terms of our numerous vet appointments with our puppy!
We have spent quite a pretty penny at the vet this last year, and have been reimbursed for 80% of every dollar that we've spent, no questions asked, no long drawn out phone calls, no haggling, simply a check in the bank.
Phone calls to their customer service workers have always been very pleasant. Lindsey usually answers my calls, and always stays on the line as long as I need. Never have I felt rushed.
Compared to other plans, where reimbursement amounts vary based on the procedure, Embrace has completely exceeded my expectations, staying true to the rates/reimbursement amounts in my contract from day 1.
I recommend Embrace to all of my friends/family, and wish I had added my other dog when he was younger! So far, finding an insurance plan for an older dog with many pre-existing conditions hasn't worked out. But for our young dog, boy am I thankful!
5
out of 5
POSTED: | BY: Sheri
Attention to Customer Satisfaction is Superb
I signed up for Embrace when I got my dog 3 years ago. He's a rescue who was 6 at the time. I knew that he might have some health issues down the road so I immediately got a policy. Since then, he's had 2 total ACL replacements and a couple of minor illnesses and I never had a single issue with my claims. Not only were they reimbursed quickly, someone always followed up by email to make sure I received the check. I have recommended Embrace to my dog owner friends and they are equally satisfied. What a fabulously well run company!
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.