5
out of 5
POSTED: | BY: Candace R
Easy and quick
My claim was easy to place and quickly closed. I did not expect it to go so smoothly! Thank you!
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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.
5
out of 5
POSTED: | BY: Jenna Salvadalena
Ortho
My vet recommended that I get at least two orthopedic recommendations before my dog has surgery on her leg. I was nervous because I wasn’t sure if pet insurance would cover it and they were so fast with the claim and reimburse me within two business days. I’m very grateful with our efficient and response of this company is.
5
out of 5
POSTED: | BY: Gabriella Maria
Highly Recommend! 😀
I appreciate how easy it is to submit claims, the user interface makes it very simple. I also appreciate the prompt and helpful responses I get to my questions. I give this service 5 stars, been using for almost a year now and filed several times. I reccomend Embrace!
5
out of 5
POSTED: | BY: Terry Rieger
So easy to submit
So easy to submit - Fast turnaround
3
out of 5
POSTED: | BY: ricky
Pricy but good Customer Care
I rate them a 3 because I had them for 2-3 years and never had a claim. Not even a minor claim. My rate started around 20 a month and gradually moved up to 35 a month for barebones coverage. I have just in case something happens to the dog but not expecting to use. After the 3rd price hike, I reached out saying I was going to switch to another carrier due to their rates and asked if they could look at my history and see if there was anything that could be done with the rates. They said no. I have since switched to PetsBest and my rate for higher coverage is less than 1/2 the cost.
On the flip side, their app and customer care were always good to deal with but again I never had a claim. If you are in my shoes, I'd look elsewhere. Too pricy.
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.