5
out of 5
POSTED: | BY: Michele Rose
Submitting Claims
The process of submitting claims is easy breezy.
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4.9
out of 5
Number of reviews 20,325
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: Stacia Pelletier
Highly recommend!
Highly recommend. They saved me thousands of dollars last year when our dog had a chronic joint wound that required weekly vet visits and eventual amputation. THOUSANDS. It's worth the hassle to file the online claim and wait for reimbursement. Sometimes you have to nudge your vet or call Embrace to find out if something stalled on their side, but they always come through. Just don't expect them to pay for annual wellness exams. This is for medical-need visits only. But if your dog is anything like my border collie, those medical need visits can add up FAST. Embrace is great.
5
out of 5
POSTED: | BY: John Hurley
Great Claims Process!
Embrace is a wonderful company. Very easy claims process. I imagine this is a great company to work for.
5
out of 5
POSTED: | BY: A.Lyons
Extremely User Friendly
Ease of use. The updates have made submitting claims so much easier. I just need to get better at submitting them more timely.
5
out of 5
POSTED: | BY: Barbara Herzer
Trustworthy insurance provider
Very easy to file a claim. Wellness rewards motivate me to stay current with my dog's care since I know I will get my money back quickly
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.