5
out of 5
POSTED: | BY: Bryan Mills
Great service
Excellent service
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,332
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: J L
Embrace Has paid nothing on my claims since I signed up
I was excited to start Embrace because I heard only good things about it. I have since realized it is not what I thought it was. I have had Embrace for over a year and they never paid a single thing out of everything I’ve claimed from new foreleg lameness my dog obtained to an ear infection because they classify skin issues as ear infections. They tried to permanently deny her coverage for any random bump she received for her life due to me asking a vet on an unrelated visit to just check something that had appeared on her lip (which dried up and fell off two weeks later and I never went back to an appointment for it). They denied her therapy for her foreleg first due to an incorrect receipt provided by the therapist and didn’t tell me until I sent in a renewed claim with the correct receipt that because I was having a virtual appointment instead of in person one they would deny all coverage because the therapist themselves wasn’t doing it. Everything was stressful, a hassle, and over expensive compared to what I was getting. I do not recommend Embrace and highly encourage people to understand what you’re agreeing to before you pay for it.
5
out of 5
POSTED: | BY: Jim
Very easy to submit a claim
Very easy to submit a claim. THANK YOU!!
5
out of 5
POSTED: | BY: Karen
You guys are nothing short but AWESOME
You guys are nothing short but AWESOME. I refer you guys to lots of people. 😊🥹❤️
5
out of 5
POSTED: | BY: Carol
Jason was amazing and so much fun
Jason was amazing and so much fun! He explained everything and didn’t rush through anything. It was a very pleasant experience!
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.