5
out of 5
POSTED: | BY: Maria Gomez
Very easy to use!
Very easy to use!
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,006
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: Martha Wilson
This pet insurance company is superb
This pet insurance company is superb. They reimburse payments immediately, and they explain why they determined the refund is what it is. Also, whenever I call customer service, I always get a rational answer to my concern.
5
out of 5
POSTED: | BY: Steven
Easy to submit claims and prompt…
Easy to submit claims and prompt responses.
1
out of 5
POSTED: | BY: Zamariz Hernandez
Difficult to deal with from the…
Difficult to deal with from the beginning, not helpful whatsoever. I am not happy with the company and the only reason why I am keeping the insurance as of right now is because of an upcoming surgery.
1
out of 5
POSTED: | BY: Sarah
They raised my rates 67% after my first…
They raised my rates 67% after my first year. (3 cats under 4, no health issues). They could only say it was due to inflation and increased vet costs (despite the fact inflation and vet costs did not increase 67% this year).
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.