5
out of 5
POSTED: | BY: AT
Great customer service
The customer service person was kind, thoughtful, professional and made sure I was taken care of.
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.
4
out of 5
POSTED: | BY: Yuliia Williams
Fast payments and ease of filing claims
We issued insurance for our Doberman 3 years ago, but we had to use it since April 2024, when after an X-ray, ultrasound, and a trip to the emergency, we found out that our Anubis had DCM... All claims were quickly reviewed and paid according to our plan. Thanks to the whole Embrace team!
5
out of 5
POSTED: | BY: R miller
The tool makes the process soooooo much…
The tool makes the process soooooo much easier. I love the new process
5
out of 5
POSTED: | BY: Christina Koundouriotis
I have always had a positive experience…
I have always had a positive experience with Embrace. It is easy to submit claims refunds are deposited directly into my checking account within a few days of approved claim(s). Also, customer service associated are easy to talk to and very helpful.
I also recently lost a pet and Embrace was very compassionate. They sent me a beautiful sympathy card with seeds embedded with instructions on how to plant it to create a memorial for my Bently. I was very touched. I highly recommend Embrace pet insurance.
1
out of 5
POSTED: | BY: Anon
Terrible
I’ve been fighting an appeal for claims that should undoubtedly be covered for the past 4 months. I’ve given multiple letters and had to push back extensively, even highlighting a failure in your own insurance plan definition to show I should be covered. The original person handling my claim did not even correctly share my state laws with regards to what is covered after initially declining my claim. This has been anything but a smooth or enjoyable.
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.