3
out of 5
POSTED: | BY: Wendy Brafman
repeated requests for documents.
repeated requests for documents.
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.
5
out of 5
POSTED: | BY: Holger L
I endorse them
I did a lot of research before deciding to go with Embrace Pet insurance for my 1 year old rescue. The deciding factor was that Embrace pays based on actual charges not on national averages for any given service provided. I have sine had two claims that were promptly processed and approved. Their website and app make it incredibly easy to file a claim etc. I am very happy with their service.
1
out of 5
POSTED: | BY: Terry Hayes
Unhappy with this insurance company
Unhappy with this insurance company. Almost every vet visit is classified as “wellness” . Coverage is limited to $250. So essentially we are paying $600 a year for $250 of coverage. We are considering dropping our policy.
5
out of 5
POSTED: | BY: Jessica Faraone
My pet had to have an unexpected and…
My pet had to have an unexpected and expensive surgery and it was covered. They reviewed the documents in a timely manner and issued a refund. I also called customer service with a question and they were great! I highly recommend this company.
5
out of 5
POSTED: | BY: Robert Slavin
I was very concerned that our claim…
I was very concerned that our claim would be denied for some kind of technicality found on page so and so of the agreement. Well it was not. Embrace paid the claim timely and the process was smooth.
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.