5
out of 5
POSTED: | BY: Lisa S
Quick and easy to submit a claim
Submitting a claim is relatively straight forward. Minimal effort, thankfully!
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,864
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: Marissa Dutton
CCL Surgery and PT Coverage!
Our baby needed to have CCL surgery and Embrace covered 90% of the over $5k costs, and her aftercare physical therapy. I filed my claim Monday morning and they had it completed and reimbursed the next morning. I was amazed at how quickly they helped! Thank you so much, Embrace, I'm recommending everyone I know to insure their pets through you!
5
out of 5
POSTED: | BY: Linda Rast
Embrace Pet Insurance handles our claims efficiently and professionally
Embrace Pet Insurance handles our claims efficiently and professionally. They notify us as soon as the claim is completed and provide us with a complete explanation of the benefits. We are very glad we chose Embrace Pet Insurance!
1
out of 5
POSTED: | BY: Rebecca
Lack of Communication & Inflexible
I have been paying for Embrace pet insurance for two years. Thinking I had the coverage I was paying for, I took my pet to the ER. When I tried to submit the claim, Embrace informed me that the pre-policy exam I had for my pet was too early (by 3 weeks), and my pet would not receive the coverage. While I understand the "terms & conditions," it would have been helpful if someone had informed me prior to this moment that this vet visit was three weeks too early. I am very unhappy with this lack of communication from Embrace insurance and how inflexible they were in addressing this issue.
5
out of 5
POSTED: | BY: Anonymous
Great company with helpful employees
Reliable company with great customer service, helpful employees, and quick reimbursements. Their policies are pretty transparent and they honestly answer any questions I have regarding coverage. I have been happy with their coverage the last 3+ years.
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.