5
out of 5
POSTED: | BY: Roxanne Ladouceur
Claim submission was easy to use.
Was very easy to submit my claims using the site.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,854
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: AT
They continued to add more and more…
They continued to add more and more things to “what I need before they can offer a pay back”. I continued to send their new asked for information, but it took months and months for them to finally give me any money back. They were not helpful.
3
out of 5
POSTED: | BY: Harry Steagall
I was a little disappointed in Embrace…
I was a little disappointed in Embrace at first...It took them a little long to process my first claim with them but I kind of understand since it was the first one .. Basically they came through in the end so I would give them about three and a half stars, that's fair I think...
5
out of 5
POSTED: | BY: Krissie Finchum
Stress Free Pet Insurance!
I have been with embrace for quite awhile now. They are quick with claims, responsive when I’ve needed help, and also it’s very easy to submit claims.. Makes having a pet with a chronic condition much easier to manage..
1
out of 5
POSTED: | BY: Juliet Hollifield
very confusing system for entering in…
very confusing system for entering in what I took our cat to the vet for. Put it under annual wellness exam because that's what it was and they rejected it because it was under the wrong category. Makes absolutely no sense.
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.