5
out of 5
POSTED: | BY: Connie Smith
Easy claim submission.
Easy claim submission.
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: Angela
Exceeded my Expectations
Wow! Fantastic coverage, prompt review of claims and prompt reimbursement. I gave been a pet owner for almost 8yrs. I never had pet insurance until this year. I have a new 9 month old puppy and decided to get Embrace pet insurance after seeing the service offered in my USAA app. I'm so glad I did, wouldn't you know it, I have already submitted 2 claims and both were covered! This has brought me peace of mind, because as fellow pet owners, our pets can be a huge financial investment.
5
out of 5
POSTED: | BY: Theresa
Extremely easy claim submission
Submitting claims through the website is fast and easy. The longest part of the claims submission was entering the pet's information the first time, which was also easy even with a senior pet. I like that I don't have to enter my pet's full information every time.
5
out of 5
POSTED: | BY: Alain Peracca
easy filing of a claim and in the past…
easy filing of a claim and in the past quick handling of the claim and payment, I strongly recomment Embrace as a pet insurance
1
out of 5
POSTED: | BY: Camille
Do not get this keep looking
I will be canceling my policy. This insurance is not worth it, especially if you have a pre-existing condition. They always claim any issue is linked to pre-existing conditions, no matter what proof you provide. I’ve sent multiple test results showing that my condition is unrelated to diabetes, but no one has responded, and they’ve even closed my cases. It’s been over a month since I submitted my claims, and the only communication I’ve received is the standard “your claim is denied due to pre-existing conditions.”
They don’t respond to emails, and it feels like they don’t care at all. I strongly recommend going with a different provider, especially if you have any pre-existing health issues. I’ll be updating this review as I wait to see if they ever respond or review the paperwork properly
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.