5
out of 5
POSTED: | BY: George
Completing a claim form couldn't be…
Completing a claim form couldn't be simpler.
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4.9
out of 5
Number of reviews 20,007
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.
1
out of 5
POSTED: | BY: Tiffany Helms
After a heart murmur was found in our…
After a heart murmur was found in our puppy, they decided to state that it was a pre-existing condition. Even after the vet recorded that it was an "innocent" murmur, meaning it won't cause problems, they denied the claim. I've paid thousands in premiums over the years for different dogs and I have to say that this is a total waste of money. They're horrible.
5
out of 5
POSTED: | BY: Solina Sanchez
Honestly the best!!!
Honestly the best!!!! They were very transparent with the coverage and how the amount was calculated.
5
out of 5
POSTED: | BY: Laura Respecki
Very easy to submit claims
Very easy to submit claims. Don't ignore the occasional newsletter emails they send either. They have helpful tips and tricks.
5
out of 5
POSTED: | BY: Sarah White
I've been dealing with medical issues…
I've been dealing with medical issues with both of my dogs lately and very unexpectedly. Both dogs have been covered with Embrace since I adopted them as puppies six and eight years ago. One recently had to have a double CCL surgery and the other is now going through a very unexpected cancer diagnosis and treatment plan. I had been frustrated with the recent monthly premium increase, but I'm so thankful I've stuck with this insurance company for my dogs. They've consistently covered these unexpected issues at the percentage agreed. I would not have been able to afford this on my own and would have had to make much more difficult choices for my beloved dogs.
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.