5
out of 5
POSTED: | BY: Hoffman
So easy to submit a claim.
So easy to submit a claim.
Read more on Trustpilot
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: Luke Herman
Amazing comfort and customer service
We entered into the world of pet insurance not really knowing what we were getting ourselves into. When we first signed up with Embrace, our representative was communicative, resourceful, knowledgeable, and most of all reasonable.
We didn't really think we would need to use our and planned to keep it in the back of our minds as a "just in case" measure. Unfortunately, that turned out to not be the case. Our puppy fell ill very shortly into our lives together. From the very first claim filed through the ultimate decision to end his suffering, the team at Embrace was outstanding. We were comforted knowing that we could provide as much care as was needed - and when the time came to make the hard decision, the outreach from Embrace warmed and comforted us. While I certainly do not wish our experience on anyone, I'm happy to have had Embrace with us through it.
5
out of 5
POSTED: | BY: Emily Tryon
Quick pre-approval process and timely…
Quick pre-approval process and timely reimbursements. Easy to upload invoices for claims!
5
out of 5
POSTED: | BY: rebecca mask
Great insurance and convenient easy-to-use app!
Embrace was my first pet insurance. It was a great experience. All my phone interactions were helpful. The people were smart and knowledgeable. When I made a claim, the response was quick. The app is very easy to use.
5
out of 5
POSTED: | BY: Iggy’s Parents
parents of lymphoma survivor
Working with Embrace has been a breeze. One of our girls has lymphoma and we've been able to get her treatment thanks to Embrace. Once you submit the first claim each one after is easier and faster. I really appreciate that they update the portal to let you know when your claim is being reviewed.
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.